422 Maryland Ave APT 1DStaten IslandNY10305
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 422 Maryland Ave APT 1D, Staten Island, NY, 10305 in Staten Island at $304,999 earns $2,193/mo in rent and nets $156/mo after the $1,371/mo payment, a 8.63% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $84,266 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $2,809/yr in principal paydown, total projected return reaches $126,434.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 4.8% |
| Monthly Cash Flow | $156 | $1,850 |
City averages based on Staten Island market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,193 |
| Total Monthly Debt Service | $1,915 |
| DSCR Ratio | 1.14x |
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.
Condo
Built in 1974
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10305, Staten Island, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,367 (100%) |
| Owner Occupied HU | 8,911 (54.4%) |
| Renter Occupied HU | 6,522 (39.8%) |
| Vacant Housing Units | 934 ( 5.7%) |
| Median Home Value | $679,181 |
| Average Home Value | $717,006 |
Housing Distribution
Address Breakdown
Residential
13,532
Single Family
11,254
Multi-Family
2,278
Businesses
873
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
Condo
Built in 1974
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10305, Staten Island, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,367 (100%) |
| Owner Occupied HU | 8,911 (54.4%) |
| Renter Occupied HU | 6,522 (39.8%) |
| Vacant Housing Units | 934 ( 5.7%) |
| Median Home Value | $679,181 |
| Average Home Value | $717,006 |
Housing Distribution
Address Breakdown
Residential
13,532
Single Family
11,254
Multi-Family
2,278
Businesses
873
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Vanessa Raggi • JM Properties
Mls Name: SIBOR
Mls ID: #2504899