205 W 54th St APT 10ENew YorkNY10019
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 205 W 54th St APT 10E, New York, NY, 10019 in New York. At $1,135,600 it earns $4,173/mo in rent and distributes $308/mo to the owner after the $5,106/mo payment, a consistent 8.34% yield. DSCR 0.82 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $313,745 in value; $10,459/yr in principal paydown compounds ownership stake. Total projected return: $213,577.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 4.8% |
| Monthly Cash Flow | $308 | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,173 |
| Total Monthly Debt Service | $7,132 |
| DSCR Ratio | 0.59x |
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.
Apartment
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10019, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 35,231 (100%) |
| Owner Occupied HU | 4,717 (13.4%) |
| Renter Occupied HU | 24,438 (69.4%) |
| Vacant Housing Units | 6,076 (17.2%) |
| Median Home Value | $962,650 |
| Average Home Value | $1,201,466 |
Housing Distribution
Address Breakdown
Residential
31,630
Single Family
93
Multi-Family
31,537
Businesses
3,077
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
Apartment
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10019, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 35,231 (100%) |
| Owner Occupied HU | 4,717 (13.4%) |
| Renter Occupied HU | 24,438 (69.4%) |
| Vacant Housing Units | 6,076 (17.2%) |
| Median Home Value | $962,650 |
| Average Home Value | $1,201,466 |
Housing Distribution
Address Breakdown
Residential
31,630
Single Family
93
Multi-Family
31,537
Businesses
3,077
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices