315 E 65th St APT PhfNew YorkNY10065
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 315 E 65th St APT Phf, New York, NY, 10065 in New York. Rental yield 4.06%. At $1,895,000 with 4.06% gross yield, current distributions are modest, but the 5% appreciation rate projects $523,554 in new equity by year five, complemented by $17,453/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.75) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $320,817.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 4.8% |
| Monthly Cash Flow | $(9,501) | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,411 |
| Total Monthly Debt Service | $11,901 |
| DSCR Ratio | 0.54x |
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 1962
N/A lot
$N/A/sqft
No 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 1962
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices