313 W 119th St #4ENew YorkNY10026
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 313 W 119th St #4E, New York, NY, 10026 in New York is narrow, $193/mo net on $7,412/mo rent after the $4,503/mo debt service, but the property operates at break-even-plus, not a loss. At $950,000 with a 9.36% yield, the long-run equity case via 5% appreciation ($262,467 over five years) and $7,964/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.65 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $413,121.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 4.8% |
| Monthly Cash Flow | $193 | $28,500 |
City averages based on New York 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 | $7,412 |
| Total Monthly Debt Service | $6,198 |
| DSCR Ratio | 1.20x |
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.
Condo
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10026, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,540 (100%) |
| Owner Occupied HU | 3,184 (18.2%) |
| Renter Occupied HU | 13,084 (74.6%) |
| Vacant Housing Units | 1,272 ( 7.3%) |
| Median Home Value | $1,037,960 |
| Average Home Value | $1,157,201 |
Housing Distribution
Address Breakdown
Residential
15,866
Single Family
333
Multi-Family
15,533
Businesses
565
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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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