22 Hillside Terrace #DWhite PlainsNY10601
INVESTMENT ANALYSIS
Investment Verdict
Solid Income22 Hillside Terrace #D, White Plains, NY, 10601 in White Plains earns a respectable 9.23% gross yield at $569,000, but after the $2,559/mo mortgage the net cash flow is $119/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.71) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $157,204 over five years, making equity the dominant return driver. Total projected return: $254,249.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $119 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $4,379 |
| Total Monthly Debt Service | $3,573 |
| DSCR Ratio | 1.23x |
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 1977
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10601, White Plains, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,169 (100%) |
| Owner Occupied HU | 1,958 (24.0%) |
| Renter Occupied HU | 4,813 (58.9%) |
| Vacant Housing Units | 1,398 (17.1%) |
| Median Home Value | $421,271 |
| Average Home Value | $595,928 |
Housing Distribution
Address Breakdown
Residential
6,104
Single Family
381
Multi-Family
5,723
Businesses
1,344
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 1977
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10601, White Plains, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,169 (100%) |
| Owner Occupied HU | 1,958 (24.0%) |
| Renter Occupied HU | 4,813 (58.9%) |
| Vacant Housing Units | 1,398 (17.1%) |
| Median Home Value | $421,271 |
| Average Home Value | $595,928 |
Housing Distribution
Address Breakdown
Residential
6,104
Single Family
381
Multi-Family
5,723
Businesses
1,344
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: OneKey MLS
Mls ID: #968919