330 W 145th St APT 705New YorkNY10039
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowHigh DSCR is a competitive advantage at closing. 330 W 145th St APT 705, New York, NY, 10039 in New York achieves 1.95, rent of $6,098/mo covers the $3,125/mo payment 1.5x over at $695,000. Rental yield 10.53%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $192,016 over five years, with $6,401/yr in principal reduction bringing total projected return to $267,640.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 4.8% |
| Monthly Cash Flow | $(62) | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,098 |
| Total Monthly Debt Service | $5,884 |
| DSCR Ratio | 1.04x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Apartment
Built in 2003
N/A lot
$N/A/sqft
$1,519 monthly 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 2003
N/A lot
$N/A/sqft
$1,519 monthly 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