431 W 121st St #GFBNew YorkNY10027
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 431 W 121st St #GFB, New York, NY, 10027 in New York at $299,000 earns $2,125/mo in rent and nets $128/mo after the $1,344/mo payment, a 8.53% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $82,608 over five years. Ziffy Mortgage underwrites this on a 1.58 DSCR without U.S. credit history. With $2,754/yr in principal paydown, total projected return reaches $122,292.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 4.8% |
| Monthly Cash Flow | $128 | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,125 |
| Total Monthly Debt Service | $1,878 |
| DSCR Ratio | 1.13x |
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 1920
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10027, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,400 (100%) |
| Owner Occupied HU | 3,911 (13.8%) |
| Renter Occupied HU | 22,251 (78.3%) |
| Vacant Housing Units | 2,238 ( 7.9%) |
| Median Home Value | $811,564 |
| Average Home Value | $1,055,089 |
Housing Distribution
Address Breakdown
Residential
25,725
Single Family
655
Multi-Family
25,070
Businesses
1,262
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 1920
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10027, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,400 (100%) |
| Owner Occupied HU | 3,911 (13.8%) |
| Renter Occupied HU | 22,251 (78.3%) |
| Vacant Housing Units | 2,238 ( 7.9%) |
| Median Home Value | $811,564 |
| Average Home Value | $1,055,089 |
Housing Distribution
Address Breakdown
Residential
25,725
Single Family
655
Multi-Family
25,070
Businesses
1,262
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices