305 W 150th St APT 312New YorkNY10039
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 305 W 150th St APT 312, New York, NY, 10039 in New York is a conservative rental investment at $501,800. Rental yield 7.26%. A 1.35 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $138,638; $4,622/yr in principal paydown supplements. Total projected return: $171,138.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 4.8% |
| Monthly Cash Flow | $(315) | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,036 |
| Total Monthly Debt Service | $3,151 |
| DSCR Ratio | 0.96x |
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: 10039, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,328 (100%) |
| Owner Occupied HU | 2,128 (16.0%) |
| Renter Occupied HU | 10,579 (79.4%) |
| Vacant Housing Units | 621 ( 4.7%) |
| Median Home Value | $543,226 |
| Average Home Value | $523,594 |
Housing Distribution
Address Breakdown
Residential
11,592
Single Family
14
Multi-Family
11,578
Businesses
318
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: 10039, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,328 (100%) |
| Owner Occupied HU | 2,128 (16.0%) |
| Renter Occupied HU | 10,579 (79.4%) |
| Vacant Housing Units | 621 ( 4.7%) |
| Median Home Value | $543,226 |
| Average Home Value | $523,594 |
Housing Distribution
Address Breakdown
Residential
11,592
Single Family
14
Multi-Family
11,578
Businesses
318
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices