820 Gilly AveBethlehemPA18015
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 820 Gilly Ave, Bethlehem, PA, 18015 in Bethlehem speaks for itself: 12.38% gross on a $236,900 price, generating $2,444/mo in rent and $892/mo in net income after the $1,065/mo debt service. DSCR 2.29, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,700 stacks alongside $65,451 in projected five-year appreciation and $2,182/yr in principal reduction. Projected total cumulative return: $147,656.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 6.2% |
| Monthly Cash Flow | $892 | $1,250 |
City averages based on Bethlehem market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,444 |
| Total Monthly Debt Service | $1,458 |
| DSCR Ratio | 1.68x |
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 1928
0.34 Acres 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 1928
0.34 Acres 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: Calvara Campos • BHHS Fox & Roach Bethlehem
Mls Name: GLVR
Mls ID: #761698