422 Maryland Ave APT 2AStaten IslandNY10305
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 422 Maryland Ave APT 2A, Staten Island, NY, 10305 in Staten Island. Priced at $264,500, it generates $3,421/mo in gross rent and $1,655/mo in net monthly cash flow, a 15.52% yield that comfortably supports the 2.88 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $19,859. Five-year appreciation: $73,076. Equity from principal paydown: $2,436/yr. Total projected cumulative return: $207,407.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.5% | 4.8% |
| Monthly Cash Flow | $1,655 | $1,850 |
City averages based on Staten Island market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,421 |
| Total Monthly Debt Service | $1,661 |
| DSCR Ratio | 2.06x |
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