495 E 178th Street #4FBronxNY10457
INVESTMENT ANALYSIS
Investment Verdict
Solid Income495 E 178th Street #4F, Bronx, NY, 10457 in Bronx earns a respectable 9.39% gross yield at $130,000, but after the $585/mo mortgage the net cash flow is $149/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.65) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $35,917 over five years, making equity the dominant return driver. Total projected return: $56,021.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.1% |
| Monthly Cash Flow | $149 | $1,850 |
City averages based on Bronx market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $968 |
| Total Monthly Debt Service | $816 |
| DSCR Ratio | 1.19x |
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 1941
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10457, Bronx, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,134 (100%) |
| Owner Occupied HU | 1,737 ( 6.2%) |
| Renter Occupied HU | 24,854 (88.3%) |
| Vacant Housing Units | 1,543 ( 5.5%) |
| Median Home Value | $473,632 |
| Average Home Value | $470,488 |
Housing Distribution
Address Breakdown
Residential
26,932
Single Family
2,355
Multi-Family
24,577
Businesses
1,151
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 1941
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10457, Bronx, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,134 (100%) |
| Owner Occupied HU | 1,737 ( 6.2%) |
| Renter Occupied HU | 24,854 (88.3%) |
| Vacant Housing Units | 1,543 ( 5.5%) |
| Median Home Value | $473,632 |
| Average Home Value | $470,488 |
Housing Distribution
Address Breakdown
Residential
26,932
Single Family
2,355
Multi-Family
24,577
Businesses
1,151
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Al Morrobel • Pantiga Group Inc.
Mls Name: OneKey MLS
Mls Provider:
Mls ID: #846089
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