118 W 112th St APT 4DNew YorkNY10026
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing118 W 112th St APT 4D, New York, NY, 10026 in New York is a stable, well-positioned rental at $720,000. Rental yield 6.86%. DSCR 1.27 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $198,923 in value and $6,631/yr in principal paydown builds equity, a total projected return of $229,901.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 4.8% |
| Monthly Cash Flow | $(693) | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,115 |
| Total Monthly Debt Service | $4,522 |
| DSCR Ratio | 0.91x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Condo
Built in 1915
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10026, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,540 (100%) |
| Owner Occupied HU | 3,184 (18.2%) |
| Renter Occupied HU | 13,084 (74.6%) |
| Vacant Housing Units | 1,272 ( 7.3%) |
| Median Home Value | $1,037,960 |
| Average Home Value | $1,157,201 |
Housing Distribution
Address Breakdown
Residential
15,866
Single Family
333
Multi-Family
15,533
Businesses
565
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
Condo
Built in 1915
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10026, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,540 (100%) |
| Owner Occupied HU | 3,184 (18.2%) |
| Renter Occupied HU | 13,084 (74.6%) |
| Vacant Housing Units | 1,272 ( 7.3%) |
| Median Home Value | $1,037,960 |
| Average Home Value | $1,157,201 |
Housing Distribution
Address Breakdown
Residential
15,866
Single Family
333
Multi-Family
15,533
Businesses
565
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices