45 Sutton Pl S APT 2CNew YorkNY10022
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 45 Sutton Pl S APT 2C, New York, NY, 10022 in New York. Priced at $825,000, it generates $12,170/mo in gross rent and $4,703/mo in net monthly cash flow, a 17.7% yield that comfortably supports the 3.28 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $56,438. Five-year appreciation: $227,932. Equity from principal paydown: $7,598/yr. Total projected cumulative return: $625,700.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.7% | 4.8% |
| Monthly Cash Flow | $4,703 | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $12,170 |
| Total Monthly Debt Service | $7,139 |
| DSCR Ratio | 1.70x |
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 1958
N/A lot
$N/A/sqft
$1,958 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10022, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,279 (100%) |
| Owner Occupied HU | 11,002 (40.3%) |
| Renter Occupied HU | 11,015 (40.4%) |
| Vacant Housing Units | 5,262 (19.3%) |
| Median Home Value | $1,223,949 |
| Average Home Value | $1,331,078 |
Housing Distribution
Address Breakdown
Residential
18,774
Single Family
271
Multi-Family
18,503
Businesses
3,725
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 1958
N/A lot
$N/A/sqft
$1,958 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10022, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,279 (100%) |
| Owner Occupied HU | 11,002 (40.3%) |
| Renter Occupied HU | 11,015 (40.4%) |
| Vacant Housing Units | 5,262 (19.3%) |
| Median Home Value | $1,223,949 |
| Average Home Value | $1,331,078 |
Housing Distribution
Address Breakdown
Residential
18,774
Single Family
271
Multi-Family
18,503
Businesses
3,725
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices