130 E 63rd St APT 6ANew YorkNY10065
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 130 E 63rd St APT 6A, New York, NY, 10065 in New York worth study. Rental yield 4.24%. The 4.24% gross yield is below cash-flow benchmarks at $1,450,000, but 5% annual appreciation, adding $400,608 over five years, frames this as a capital growth position. Rent of $5,123/mo partially offsets the $6,520/mo payment. Ziffy Mortgage finances appreciation-play properties (0.79 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $259,506.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 4.8% |
| Monthly Cash Flow | $(6,801) | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,123 |
| Total Monthly Debt Service | $9,106 |
| DSCR Ratio | 0.56x |
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 1960
N/A lot
$N/A/sqft
No HOA
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 1960
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices