20 Pine St APT 2207New YorkNY10005
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow20 Pine St APT 2207, New York, NY, 10005 in New York earns its strong cash-flow label: 10% yield, $7,042/mo rent, $1,399/mo net income, DSCR 1.85. The $845,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $233,458 by year five. Combined with $7,783/yr in principal paydown, total projected return reaches $412,272.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 4.8% |
| Monthly Cash Flow | $1,399 | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,042 |
| Total Monthly Debt Service | $5,307 |
| DSCR Ratio | 1.33x |
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 1928
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10005, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,939 (100%) |
| Owner Occupied HU | 858 (12.4%) |
| Renter Occupied HU | 4,911 (70.8%) |
| Vacant Housing Units | 1,170 (16.9%) |
| Median Home Value | $1,555,556 |
| Average Home Value | $1,549,382 |
Housing Distribution
Address Breakdown
Residential
6,784
Single Family
3
Multi-Family
6,781
Businesses
676
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 1928
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10005, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,939 (100%) |
| Owner Occupied HU | 858 (12.4%) |
| Renter Occupied HU | 4,911 (70.8%) |
| Vacant Housing Units | 1,170 (16.9%) |
| Median Home Value | $1,555,556 |
| Average Home Value | $1,549,382 |
Housing Distribution
Address Breakdown
Residential
6,784
Single Family
3
Multi-Family
6,781
Businesses
676
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices