728 Shirley StPhiladelphiaPA19130
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 728 Shirley St, Philadelphia, PA, 19130 in Philadelphia: $3,347/mo in rent, $267/mo in net income, 8.55% gross yield, 1.58 DSCR, all at $470,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $129,852 in appreciation and $4,329/yr in principal paydown projects total cumulative return of $196,192.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.8% |
| Monthly Cash Flow | $267 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,347 |
| Total Monthly Debt Service | $2,893 |
| DSCR Ratio | 1.16x |
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 1920
853 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19130, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,828 (100%) |
| Owner Occupied HU | 6,253 (33.2%) |
| Renter Occupied HU | 11,027 (58.6%) |
| Vacant Housing Units | 1,548 ( 8.2%) |
| Median Home Value | $561,193 |
| Average Home Value | $603,498 |
Housing Distribution
Address Breakdown
Residential
17,428
Single Family
7,172
Multi-Family
10,256
Businesses
784
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 1920
853 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19130, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,828 (100%) |
| Owner Occupied HU | 6,253 (33.2%) |
| Renter Occupied HU | 11,027 (58.6%) |
| Vacant Housing Units | 1,548 ( 8.2%) |
| Median Home Value | $561,193 |
| Average Home Value | $603,498 |
Housing Distribution
Address Breakdown
Residential
17,428
Single Family
7,172
Multi-Family
10,256
Businesses
784
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mark Khavinson • Skyline Realty & Property Managment LLC
Mls Name: Bright MLS
Mls ID: #PAPH2532468