154 Underhill Avenue #2BWest HarrisonNY10604
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew West Harrison rentals match the income profile of 154 Underhill Avenue #2B, West Harrison, NY, 10604. Listed at $180,000, gross rent is $3,178/mo and net cash flow is $1,976/mo, a 21.18% yield well above national averages. DSCR 3.93 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $49,731 by year five with $1,658/yr in annual principal reduction, projecting $195,811 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 21.2% | 6.2% |
| Monthly Cash Flow | $1,976 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,178 |
| Total Monthly Debt Service | $1,130 |
| DSCR Ratio | 2.81x |
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.
Condo
Built in 1952
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10604, West Harrison, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,279 (100%) |
| Owner Occupied HU | 2,652 (50.2%) |
| Renter Occupied HU | 2,091 (39.6%) |
| Vacant Housing Units | 536 (10.2%) |
| Median Home Value | $866,523 |
| Average Home Value | $1,037,238 |
Housing Distribution
Address Breakdown
Residential
4,519
Single Family
3,005
Multi-Family
1,514
Businesses
520
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 1952
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10604, West Harrison, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,279 (100%) |
| Owner Occupied HU | 2,652 (50.2%) |
| Renter Occupied HU | 2,091 (39.6%) |
| Vacant Housing Units | 536 (10.2%) |
| Median Home Value | $866,523 |
| Average Home Value | $1,037,238 |
Housing Distribution
Address Breakdown
Residential
4,519
Single Family
3,005
Multi-Family
1,514
Businesses
520
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices