3-bed townhouse for sale in Philadelphia — $135K | Dwelfy

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Pays from day one — check the rent yourself

Rented normally, you'd make about $468 a month.

The rent is our own estimate — worth checking against two or three real local lettings. One month without a tenant wipes out about 3 months of that profit, so keep a buffer for gaps.

6015 Montague St, Philadelphia, PA 19135 · 924 sqft · $146/sqft

3 BED TOWNHOUSEListed 26d ago

$135,000

Why it works

Monthly profit +$468/mo from completion — the no.1 reason to invest
This is the money left after the mortgage, the running costs and tax — not the rent.It assumes the rent we modelled and the empty weeks we assumed. Change either and it moves. Try your own numbers →
14.66% return before costs — above-market
Rent over price, before any costs. Useful for comparing streets; it is not money you keep.Two properties on the same yield can leave you very different amounts. See what you keep →
8.0% a year over five years — a strong return on the cash you put in
Rent, mortgage paydown and price growth together, annualised over five years.It assumes 2% a year of price growth. Strip that out and most of the return is the rent. See the projection →
Passes the lender's rate test at 6.5% — lender-friendly
Lenders test the rent against a stressed rate, not the one you are quoted. This clears it.The cover level is each lender’s own policy, not law — treat it as the shape of the test. See the lender's view →

What would have to be true?
Nothing — it works at the asking price
The rent covers the mortgage, the running costs and the tax at the $135,000 asked, so there is no discount this card has to name. A lower price would be upside, not a condition.
worked back from the rent

Is it a good location?
Philadelphia
We hold no schools, flood or crime reading for this address yet — open for the map and what we do have. An absence here is a gap in our record, not a clean bill.
mapped to a point, not an address

What can we answer in this market?
6 of 11 questions 5 need data we do not hold in this market yet
3 of them run on numbers you set yourself, so they stay amber however good they look.
6 answered
of 11 questions
Coverage, not a verdict

Ready to move on this property?

Generates an offer pack with your numbers & sources — take it to the agent.

Listing seen …

What if…

Standard rental on a standard residential lease. Single household, market rent, paid monthly direct to landlord (or via agent).

You keep$468/mo

All-in cash$38,138

Payback6.8 yrs

Offer

Deposit

Mortgage rate

Standard rental

Rent

Empty weeks a year

Doing it up

Estimated, not surveyed — nobody has been inside.

More assumptions9

Mortgage term

Stress rate

Solicitor + survey

Lender fees

Letting agent

Insurance

Maintenance

Service charge

Ground rent

Where these figures came from15

Offer the asking price$135,000Asking price from listing

Deposit a typical assumption25%Standard 75% LTV for rental

Mortgage rate a typical assumption7.00%5-year fixed (market average) — 7.00% (as of 2026-05).

Rent worked out from local rents$1,649/moEstimated rent from 107 comparables. Range $1,552–$1,752/mo.

Empty weeks a year a typical assumption2 wksTypical voids for rental

Doing it up a general default, not this property$0No condition data in this market — no works assumed. Add a figure if the listing needs them.

Mortgage term a general default, not this property30 yrs

Stress rate a typical assumption8.00%Fed base + 2pp stress (8.0%)

Solicitor + survey a typical figure, not a quote$2,700Title, escrow, recording and inspection at 2% of the $135,000 price — the engine's registered default, not a quote

Lender fees a typical figure, not a quote$1,013Lender and origination fees at 1% of the $101,250 loan — the engine's registered default, not a quote

Letting agent a typical assumption10%Typical rental agency rate

Insurance a typical figure, not a quote$50/moInsurance estimate served for this property ($594/yr)

Maintenance a general default, not this property$67/moDefault $67/mo — type unknown

Service charge a typical figure, not a quote$0/moNo service charge in this market — condominium and homeowner-association dues are the hoa line

Ground rent a typical figure, not a quote$0/moNo ground rent in this market — ground leases are not a residential tenure in the US stock served

These are this page’s own derivation notes, unedited. A figure marked a typical figure, not a quote is our model of a cost for a property of this kind in this area — not a price anybody has given you, and the first thing worth replacing with a real one.

Notes

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List price$135,000

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Rented normally, you'd make about $468 a month.

What if I change my assumptions?The dialsAt the asking price, 25% deposit, 7.00%Change any of these 15 and every card on this page changes with it.◧ worked out from local rents

What will it cost me to buy?Breakdown$38,138$4,388 of that never comes back — transfer tax, attorney or title company and lender fees.$38,138 to buy itdeposit · purchase costs · legal · fees◧ 25% deposit, typical fees

What would have to be true?Nothing — it works at the asking priceThe rent covers the mortgage, the running costs and the tax at the $135,000 asked, so there is no discount this card has to name. A lower price would be upside, not a condition.◧ worked back from the rent

How big is it, really?The workingOne figure, and nothing checking it 924 sq ftOnly the agent’s figure exists for this house. Open for what that means.□ area unchecked — agent’s own

Is it a good location?Open the mapPhiladelphiaWe hold no schools, flood or crime reading for this address yet — open for the map and what we do have. An absence here is a gap in our record, not a clean bill.■ mapped to a point, not an address

Is there anything that stops it?The checksWe do not screen letting restrictions in this marketThese are UK rules and we run no equivalent here. Not checked — never as clear.1 we could not check · 4 do not apply to this property■ listing last seen 20 Sep 2026

What can we answer in this market?6 of 11 questions 5 need data we do not hold in this market yet3 of them run on numbers you set yourself, so they stay amber however good they look.6 answeredof 11 questions□ Coverage, not a verdict

More investment properties in Philadelphia

What would have to be true?
Nothing — it works at the asking price
The rent covers the mortgage, the running costs and the tax at the $135,000 asked, so there is no discount this card has to name. A lower price would be upside, not a condition.
worked back from the rent

Is it a good location?
Philadelphia
We hold no schools, flood or crime reading for this address yet — open for the map and what we do have. An absence here is a gap in our record, not a clean bill.
mapped to a point, not an address

What can we answer in this market?
6 of 11 questions 5 need data we do not hold in this market yet
3 of them run on numbers you set yourself, so they stay amber however good they look.
6 answered
of 11 questions
Coverage, not a verdict