813 Federal StPhiladelphiaPA19147
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.97% yield at 813 Federal St, Philadelphia, PA, 19147 in Philadelphia is solid, but the $1,439/mo payment compresses net cash flow to $28/mo at $319,990. 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 $88,407 by year five, and $2,947/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.48) without U.S. income documentation. Total projected return: $123,664.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.8% |
| Monthly Cash Flow | $28 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,125 |
| Total Monthly Debt Service | $1,970 |
| DSCR Ratio | 1.08x |
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 1944
492 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19147, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,039 (100%) |
| Owner Occupied HU | 10,000 (45.4%) |
| Renter Occupied HU | 10,052 (45.6%) |
| Vacant Housing Units | 1,987 ( 9.0%) |
| Median Home Value | $567,746 |
| Average Home Value | $608,850 |
Housing Distribution
Address Breakdown
Residential
19,859
Single Family
15,182
Multi-Family
4,677
Businesses
1,768
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 1944
492 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19147, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,039 (100%) |
| Owner Occupied HU | 10,000 (45.4%) |
| Renter Occupied HU | 10,052 (45.6%) |
| Vacant Housing Units | 1,987 ( 9.0%) |
| Median Home Value | $567,746 |
| Average Home Value | $608,850 |
Housing Distribution
Address Breakdown
Residential
19,859
Single Family
15,182
Multi-Family
4,677
Businesses
1,768
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mike Lin • Target Realty
Mls Name: Bright MLS
Mls ID: #PAPH2541286