12 W 72nd St APT 7HNew YorkNY10023
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 12 W 72nd St APT 7H, New York, NY, 10023 in New York is narrow, $91/mo net on $4,960/mo rent after the $3,278/mo debt service, but the property operates at break-even-plus, not a loss. At $729,000 with a 8.16% yield, the long-run equity case via 5% appreciation ($201,409 over five years) and $6,714/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $283,881.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 4.8% |
| Monthly Cash Flow | $91 | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,960 |
| Total Monthly Debt Service | $4,578 |
| 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.
Condo
Built in 1927
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10023, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 44,765 (100%) |
| Owner Occupied HU | 13,628 (30.4%) |
| Renter Occupied HU | 23,478 (52.4%) |
| Vacant Housing Units | 7,659 (17.1%) |
| Median Home Value | $1,614,455 |
| Average Home Value | $1,528,815 |
Housing Distribution
Address Breakdown
Residential
39,952
Single Family
230
Multi-Family
39,722
Businesses
1,615
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 1927
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10023, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 44,765 (100%) |
| Owner Occupied HU | 13,628 (30.4%) |
| Renter Occupied HU | 23,478 (52.4%) |
| Vacant Housing Units | 7,659 (17.1%) |
| Median Home Value | $1,614,455 |
| Average Home Value | $1,528,815 |
Housing Distribution
Address Breakdown
Residential
39,952
Single Family
230
Multi-Family
39,722
Businesses
1,615
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices