20 River Ter APT 4CNew YorkNY10282
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe 12.43% yield at 20 River Ter APT 4C, New York, NY, 10282 in New York is solid, but the $3,000/mo payment compresses net cash flow to $132/mo at $667,250. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $184,349 by year five, and $6,145/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (2.30) without U.S. income documentation. Total projected return: $273,119.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 4.8% |
| Monthly Cash Flow | $132 | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,913 |
| Total Monthly Debt Service | $6,515 |
| DSCR Ratio | 1.06x |
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 2002
N/A lot
$N/A/sqft
$2,325 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10282, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,418 (100%) |
| Owner Occupied HU | 206 ( 8.5%) |
| Renter Occupied HU | 1,827 (75.6%) |
| Vacant Housing Units | 385 (15.9%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,580,671 |
Housing Distribution
Address Breakdown
Residential
2,777
Single Family
1
Multi-Family
2,776
Businesses
40
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 2002
N/A lot
$N/A/sqft
$2,325 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10282, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,418 (100%) |
| Owner Occupied HU | 206 ( 8.5%) |
| Renter Occupied HU | 1,827 (75.6%) |
| Vacant Housing Units | 385 (15.9%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,580,671 |
Housing Distribution
Address Breakdown
Residential
2,777
Single Family
1
Multi-Family
2,776
Businesses
40
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices