631 Kirtland StPittsburghPA15208
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.87% yield at 631 Kirtland St, Pittsburgh, PA, 15208 in Pittsburgh is solid, but the $2,855/mo payment compresses net cash flow to $2/mo at $635,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $175,439 by year five, and $5,848/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.02) without U.S. income documentation. Total projected return: $161,165.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.2% |
| Monthly Cash Flow | $2 | $450 |
City averages based on Pittsburgh market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,908 |
| Total Monthly Debt Service | $3,908 |
| DSCR Ratio | 0.74x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Single Family
Built in 1915
2,038 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15208, Pittsburgh, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,271 (100%) |
| Owner Occupied HU | 2,063 (39.1%) |
| Renter Occupied HU | 2,259 (42.9%) |
| Vacant Housing Units | 949 (18.0%) |
| Median Home Value | $351,141 |
| Average Home Value | $405,001 |
Housing Distribution
Address Breakdown
Residential
4,821
Single Family
4,074
Multi-Family
747
Businesses
257
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
Single Family
Built in 1915
2,038 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15208, Pittsburgh, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,271 (100%) |
| Owner Occupied HU | 2,063 (39.1%) |
| Renter Occupied HU | 2,259 (42.9%) |
| Vacant Housing Units | 949 (18.0%) |
| Median Home Value | $351,141 |
| Average Home Value | $405,001 |
Housing Distribution
Address Breakdown
Residential
4,821
Single Family
4,074
Multi-Family
747
Businesses
257
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Catherine McConnell • RE/MAX SELECT REALTY
Mls Name: WPMLS
Mls Provider:
Mls ID: #1700328
Disclaimer: Listing information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.