747 N 4th StAllentownPA18102
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $220,000, 747 N 4th St, Allentown, PA, 18102 in Allentown generates $1,550/mo in rent (8.45% yield) but nets only $89/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.57) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $60,782. Total projected return: $89,606.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.2% |
| Monthly Cash Flow | $89 | $850 |
City averages based on Allentown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,550 |
| Total Monthly Debt Service | $1,374 |
| DSCR Ratio | 1.13x |
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 1900
1,524 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18102, Allentown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,563 (100%) |
| Owner Occupied HU | 5,593 (28.6%) |
| Renter Occupied HU | 12,439 (63.6%) |
| Vacant Housing Units | 1,531 ( 7.8%) |
| Median Home Value | $164,165 |
| Average Home Value | $238,586 |
Housing Distribution
Address Breakdown
Residential
17,707
Single Family
13,781
Multi-Family
3,926
Businesses
1,010
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 1900
1,524 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18102, Allentown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,563 (100%) |
| Owner Occupied HU | 5,593 (28.6%) |
| Renter Occupied HU | 12,439 (63.6%) |
| Vacant Housing Units | 1,531 ( 7.8%) |
| Median Home Value | $164,165 |
| Average Home Value | $238,586 |
Housing Distribution
Address Breakdown
Residential
17,707
Single Family
13,781
Multi-Family
3,926
Businesses
1,010
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Laura Hartshorne • Howard Hanna TheFrederickGroup
Mls Name: GLVR
Mls Provider:
Mls ID: #752884
Disclaimer: IDX 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.