154 Howard AveStaten IslandNY10301
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 154 Howard Ave, Staten Island, NY, 10301 in Staten Island is capital appreciation. Rental yield 4.65%. The 4.65% gross yield at $1,049,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $289,819 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.86) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $210,832.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 4.8% |
| Monthly Cash Flow | $(2,940) | $1,850 |
City averages based on Staten Island market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,065 |
| Total Monthly Debt Service | $6,588 |
| DSCR Ratio | 0.62x |
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.
Single Family
Built in 1960
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10301, Staten Island, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,290 (100%) |
| Owner Occupied HU | 6,622 (38.3%) |
| Renter Occupied HU | 9,278 (53.7%) |
| Vacant Housing Units | 1,390 ( 8.0%) |
| Median Home Value | $726,482 |
| Average Home Value | $771,820 |
Housing Distribution
Address Breakdown
Residential
14,455
Single Family
8,775
Multi-Family
5,680
Businesses
926
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 1960
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10301, Staten Island, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,290 (100%) |
| Owner Occupied HU | 6,622 (38.3%) |
| Renter Occupied HU | 9,278 (53.7%) |
| Vacant Housing Units | 1,390 ( 8.0%) |
| Median Home Value | $726,482 |
| Average Home Value | $771,820 |
Housing Distribution
Address Breakdown
Residential
14,455
Single Family
8,775
Multi-Family
5,680
Businesses
926
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Laura L Volsario • Gateway Arms Realty Corp.
Mls Name: SIBOR
Mls ID: #2504035