120 Harvard DriveHartsdaleNY10530
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow120 Harvard Drive, Hartsdale, NY, 10530 in Hartsdale earns its strong cash-flow label: 11.05% yield, $8,280/mo rent, $2,277/mo net income, DSCR 2.05. The $899,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $248,377 by year five. Combined with $8,280/yr in principal paydown, total projected return reaches $489,320.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.2% |
| Monthly Cash Flow | $2,277 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $8,280 |
| Total Monthly Debt Service | $5,646 |
| DSCR Ratio | 1.47x |
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 1929
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10530, Hartsdale, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,319 (100%) |
| Owner Occupied HU | 4,130 (77.6%) |
| Renter Occupied HU | 905 (17.0%) |
| Vacant Housing Units | 284 ( 5.3%) |
| Median Home Value | $616,267 |
| Average Home Value | $657,070 |
Housing Distribution
Address Breakdown
Residential
6,038
Single Family
3,457
Multi-Family
2,581
Businesses
503
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 1929
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10530, Hartsdale, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,319 (100%) |
| Owner Occupied HU | 4,130 (77.6%) |
| Renter Occupied HU | 905 (17.0%) |
| Vacant Housing Units | 284 ( 5.3%) |
| Median Home Value | $616,267 |
| Average Home Value | $657,070 |
Housing Distribution
Address Breakdown
Residential
6,038
Single Family
3,457
Multi-Family
2,581
Businesses
503
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices