220 E 65th St APT 5BNew YorkNY10065
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 220 E 65th St APT 5B, New York, NY, 10065 in New York achieves a 1.53 ratio at $1,800,000: $12,372/mo rent versus $8,094/mo debt service. Rental yield 8.25%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.25% yield compounds alongside 5% annual appreciation projecting $497,307 in value. Total projected cumulative return: $635,641.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 4.8% |
| Monthly Cash Flow | $(870) | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $12,372 |
| Total Monthly Debt Service | $12,526 |
| DSCR Ratio | 0.99x |
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 1978
N/A lot
$N/A/sqft
$1,222 monthly 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 1978
N/A lot
$N/A/sqft
$1,222 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices