655 Hess StBethlehemPA18015
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 655 Hess St, Bethlehem, PA, 18015 in Bethlehem. Priced at $224,900, it generates $2,166/mo in gross rent and $692/mo in net monthly cash flow, a 11.56% yield that comfortably supports the 2.14 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,307. Five-year appreciation: $62,136. Equity from principal paydown: $2,071/yr. Total projected cumulative return: $130,251.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.2% |
| Monthly Cash Flow | $692 | $1,250 |
City averages based on Bethlehem market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,166 |
| Total Monthly Debt Service | $1,384 |
| DSCR Ratio | 1.56x |
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.
Single Family
Built in 1900
2,090 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18015, Bethlehem, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,043 (100%) |
| Owner Occupied HU | 6,114 (46.9%) |
| Renter Occupied HU | 5,912 (45.3%) |
| Vacant Housing Units | 1,017 ( 7.8%) |
| Median Home Value | $341,772 |
| Average Home Value | $434,739 |
Housing Distribution
Address Breakdown
Residential
12,231
Single Family
10,745
Multi-Family
1,486
Businesses
801
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 1900
2,090 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18015, Bethlehem, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,043 (100%) |
| Owner Occupied HU | 6,114 (46.9%) |
| Renter Occupied HU | 5,912 (45.3%) |
| Vacant Housing Units | 1,017 ( 7.8%) |
| Median Home Value | $341,772 |
| Average Home Value | $434,739 |
Housing Distribution
Address Breakdown
Residential
12,231
Single Family
10,745
Multi-Family
1,486
Businesses
801
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: GLVR
Mls ID: #774222