431 Cedar StReadingPA19601
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 431 Cedar St, Reading, PA, 19601 in Reading at $114,900 earns $913/mo in rent and nets $160/mo after the $517/mo payment, a 9.54% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $31,745 over five years. Ziffy Mortgage underwrites this on a 1.77 DSCR without U.S. credit history. With $1,058/yr in principal paydown, total projected return reaches $54,062.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 7.2% |
| Monthly Cash Flow | $160 | $450 |
City averages based on Reading market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $913 |
| Total Monthly Debt Service | $707 |
| DSCR Ratio | 1.29x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 1900
435 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Townhouse
Built in 1900
435 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #PABK2069036