525 W 138th St APT 7New YorkNY10031
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow525 W 138th St APT 7, New York, NY, 10031 in New York earns its strong cash-flow label: 12.46% yield, $3,914/mo rent, $1,596/mo net income, DSCR 2.02. The $430,600 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $118,967 by year five. Combined with $3,966/yr in principal paydown, total projected return reaches $231,086.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.5% | 4.8% |
| Monthly Cash Flow | $1,596 | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,914 |
| Total Monthly Debt Service | $2,704 |
| DSCR Ratio | 1.45x |
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.
Apartment
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10031, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,194 (100%) |
| Owner Occupied HU | 2,778 (11.5%) |
| Renter Occupied HU | 19,293 (79.7%) |
| Vacant Housing Units | 2,123 ( 8.8%) |
| Median Home Value | $722,566 |
| Average Home Value | $978,110 |
Housing Distribution
Address Breakdown
Residential
21,947
Single Family
544
Multi-Family
21,403
Businesses
746
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
Apartment
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10031, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,194 (100%) |
| Owner Occupied HU | 2,778 (11.5%) |
| Renter Occupied HU | 19,293 (79.7%) |
| Vacant Housing Units | 2,123 ( 8.8%) |
| Median Home Value | $722,566 |
| Average Home Value | $978,110 |
Housing Distribution
Address Breakdown
Residential
21,947
Single Family
544
Multi-Family
21,403
Businesses
746
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices