30 Saratoga AvenueYonkersNY10705
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 30 Saratoga Avenue, Yonkers, NY, 10705 in Yonkers deserves attention. This $459,000 property earns $3,960/mo in rent, a 10.35% gross yield, and nets $895/mo after the $2,176/mo payment. DSCR 1.82 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $126,813 compounds alongside $3,848/yr in yearly equity build, for a total cumulative return of $223,999.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 4.2% |
| Monthly Cash Flow | $895 | $850 |
City averages based on Yonkers market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,960 |
| Total Monthly Debt Service | $2,994 |
| DSCR Ratio | 1.32x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1901
1,230 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10705, Yonkers, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,950 (100%) |
| Owner Occupied HU | 3,803 (25.4%) |
| Renter Occupied HU | 10,260 (68.6%) |
| Vacant Housing Units | 887 ( 5.9%) |
| Median Home Value | $599,180 |
| Average Home Value | $596,884 |
Housing Distribution
Address Breakdown
Residential
13,944
Single Family
3,760
Multi-Family
10,184
Businesses
714
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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
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