135 Midland TerraceYonkersNY10704
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 135 Midland Terrace, Yonkers, NY, 10704 in Yonkers is a conservative rental investment at $885,000. Rental yield 7.61%. A 1.41 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $244,509; $8,151/yr in principal paydown supplements. Total projected return: $318,139.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 4.2% |
| Monthly Cash Flow | $(300) | $850 |
City averages based on Yonkers market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,610 |
| Total Monthly Debt Service | $5,558 |
| DSCR Ratio | 1.01x |
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 1948
7,527 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10704, Yonkers, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,073 (100%) |
| Owner Occupied HU | 6,674 (51.1%) |
| Renter Occupied HU | 5,560 (42.5%) |
| Vacant Housing Units | 839 ( 6.4%) |
| Median Home Value | $592,583 |
| Average Home Value | $597,752 |
Housing Distribution
Address Breakdown
Residential
11,940
Single Family
7,211
Multi-Family
4,729
Businesses
1,062
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 1948
7,527 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10704, Yonkers, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,073 (100%) |
| Owner Occupied HU | 6,674 (51.1%) |
| Renter Occupied HU | 5,560 (42.5%) |
| Vacant Housing Units | 839 ( 6.4%) |
| Median Home Value | $592,583 |
| Average Home Value | $597,752 |
Housing Distribution
Address Breakdown
Residential
11,940
Single Family
7,211
Multi-Family
4,729
Businesses
1,062
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices