425 E 78th St APT 4DNew YorkNY10075
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable and efficiently structured, 425 E 78th St APT 4D, New York, NY, 10075 in New York is a conservative rental investment at $348,000. Rental yield 8.22%. A 1.44 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $96,146; $2,917/yr in principal paydown supplements. Total projected return: $130,029.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 4.8% |
| Monthly Cash Flow | $(938) | $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 | $2,384 |
| Total Monthly Debt Service | $2,270 |
| DSCR Ratio | 1.05x |
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 1910
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
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