166 E 63rd St APT 4FNew YorkNY10065
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 166 E 63rd St APT 4F, New York, NY, 10065 in New York fits: $1,350,000, 4.07% gross yield, and a projected 5% annual appreciation rate adding $372,980 in value within five years. Rental yield 4.07%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.75) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $12,434/yr in principal paydown and $372,980 in appreciation project a total return of $229,345.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 4.8% |
| Monthly Cash Flow | $(5,953) | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,579 |
| Total Monthly Debt Service | $8,478 |
| DSCR Ratio | 0.54x |
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 1959
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 1959
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices