125 E 101st St APT 1WNew YorkNY10029
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 125 E 101st St APT 1W, New York, NY, 10029 in New York is narrow, $2/mo net on $5,005/mo rent after the $3,105/mo debt service, but the property operates at break-even-plus, not a loss. At $655,000 with a 9.17% yield, the long-run equity case via 5% appreciation ($180,964 over five years) and $5,491/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.61 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $240,286.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 4.8% |
| Monthly Cash Flow | $2 | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
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 | $5,005 |
| Total Monthly Debt Service | $4,902 |
| DSCR Ratio | 1.02x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1910
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10029, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 35,868 (100%) |
| Owner Occupied HU | 2,780 ( 7.8%) |
| Renter Occupied HU | 30,957 (86.3%) |
| Vacant Housing Units | 2,131 ( 5.9%) |
| Median Home Value | $726,974 |
| Average Home Value | $903,820 |
Housing Distribution
Address Breakdown
Residential
33,613
Single Family
313
Multi-Family
33,300
Businesses
1,359
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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
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