435 E 77th St APT 10ENew YorkNY10075
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 435 E 77th St APT 10E, New York, NY, 10075 in New York is the 1.61 coverage ratio: rent of $4,675/mo versus a $2,900/mo debt payment on a $645,000 property. Rental yield 8.7%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $178,202 by year five, with $5,941/yr in equity from paydown. Total projected cumulative return: $269,641.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 4.8% |
| Monthly Cash Flow | $(1,273) | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,675 |
| Total Monthly Debt Service | $4,051 |
| DSCR Ratio | 1.15x |
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 1962
N/A lot
$N/A/sqft
No HOA
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 1962
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices