635 N 7th St #B3BPhiladelphiaPA19123
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 635 N 7th St #B3B, Philadelphia, PA, 19123 in Philadelphia earns a 9.44% gross yield at $659,000. Rent of $5,184/mo nets $866/mo after the $2,963/mo mortgage. The 1.75 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $182,070 and $6,069/yr in equity accumulation project a total cumulative return of $306,686.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.8% |
| Monthly Cash Flow | $866 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,184 |
| Total Monthly Debt Service | $4,056 |
| DSCR Ratio | 1.28x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19123, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,781 (100%) |
| Owner Occupied HU | 4,026 (27.2%) |
| Renter Occupied HU | 8,499 (57.5%) |
| Vacant Housing Units | 2,256 (15.3%) |
| Median Home Value | $577,041 |
| Average Home Value | $603,516 |
Housing Distribution
Address Breakdown
Residential
12,412
Single Family
5,649
Multi-Family
6,763
Businesses
1,043
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19123, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,781 (100%) |
| Owner Occupied HU | 4,026 (27.2%) |
| Renter Occupied HU | 8,499 (57.5%) |
| Vacant Housing Units | 2,256 (15.3%) |
| Median Home Value | $577,041 |
| Average Home Value | $603,516 |
Housing Distribution
Address Breakdown
Residential
12,412
Single Family
5,649
Multi-Family
6,763
Businesses
1,043
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jim Onesti • KW Empower
Mls Name: Bright MLS
Mls ID: #PAPH2556372