176 E 77th St APT 3CNew YorkNY10075
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play176 E 77th St APT 3C, New York, NY, 10075 in New York is priced for appreciation, not yield. Rental yield 4.07%. At $1,188,000 with a 4.07% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $328,223 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.75) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $201,768.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 4.8% |
| Monthly Cash Flow | $(5,918) | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,029 |
| Total Monthly Debt Service | $7,461 |
| 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 1957
N/A lot
$N/A/sqft
No HOA
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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 1957
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices