46 Harding DriveNew RochelleNY10801
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 46 Harding Drive, New Rochelle, NY, 10801 in New Rochelle: $5,220/mo in rent, $288/mo in net income, 8.48% gross yield, 1.57 DSCR, all at $738,500. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $204,034 in appreciation and $6,802/yr in principal paydown projects total cumulative return of $300,200.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $288 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $5,220 |
| Total Monthly Debt Service | $4,638 |
| 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.
Single Family
Built in 1962
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10801, New Rochelle, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,646 (100%) |
| Owner Occupied HU | 5,750 (30.8%) |
| Renter Occupied HU | 10,296 (55.2%) |
| Vacant Housing Units | 2,600 (13.9%) |
| Median Home Value | $624,380 |
| Average Home Value | $640,140 |
Housing Distribution
Address Breakdown
Residential
16,417
Single Family
7,314
Multi-Family
9,103
Businesses
1,570
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
Single Family
Built in 1962
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10801, New Rochelle, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,646 (100%) |
| Owner Occupied HU | 5,750 (30.8%) |
| Renter Occupied HU | 10,296 (55.2%) |
| Vacant Housing Units | 2,600 (13.9%) |
| Median Home Value | $624,380 |
| Average Home Value | $640,140 |
Housing Distribution
Address Breakdown
Residential
16,417
Single Family
7,314
Multi-Family
9,103
Businesses
1,570
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kaitlan S. Cantwell • Julia B Fee Sothebys Int. Rlty
Mls Name: OneKey MLS
Mls ID: #957895