5128 Locust StPhiladelphiaPA19139
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow5128 Locust St, Philadelphia, PA, 19139 in Philadelphia is a solid income-producing rental, 10.85% gross yield, $1,582/mo rent, $435/mo net cash flow on a $175,000 buy. DSCR 2.01 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $48,349 and $1,612/yr in principal reduction project a total cumulative return of $94,641.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 5.8% |
| Monthly Cash Flow | $435 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,582 |
| Total Monthly Debt Service | $1,077 |
| DSCR Ratio | 1.47x |
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.
Multi Family
Built in 1925
1,939 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19139, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,594 (100%) |
| Owner Occupied HU | 6,791 (31.4%) |
| Renter Occupied HU | 11,523 (53.4%) |
| Vacant Housing Units | 3,280 (15.2%) |
| Median Home Value | $141,336 |
| Average Home Value | $236,230 |
Housing Distribution
Address Breakdown
Residential
18,948
Single Family
15,351
Multi-Family
3,597
Businesses
1,164
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
Multi Family
Built in 1925
1,939 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19139, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,594 (100%) |
| Owner Occupied HU | 6,791 (31.4%) |
| Renter Occupied HU | 11,523 (53.4%) |
| Vacant Housing Units | 3,280 (15.2%) |
| Median Home Value | $141,336 |
| Average Home Value | $236,230 |
Housing Distribution
Address Breakdown
Residential
18,948
Single Family
15,351
Multi-Family
3,597
Businesses
1,164
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ms. Madalyn J Eleby • Opulent Realty Group LLC
Mls Name: Bright MLS
Mls ID: #PAPH2539234