57 W 130th St #2/3New YorkNY10037
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.13% gross rental yield, 57 W 130th St #2/3, New York, NY, 10037 in New York is priced for capital growth, not immediate cash flow. The $1,495,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $413,041 by year five, with $13,769/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.58) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $178,859.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 4.8% |
| Monthly Cash Flow | $(7,173) | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,904 |
| Total Monthly Debt Service | $9,389 |
| DSCR Ratio | 0.42x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10037, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,106 (100%) |
| Owner Occupied HU | 798 ( 7.9%) |
| Renter Occupied HU | 8,639 (85.5%) |
| Vacant Housing Units | 669 ( 6.6%) |
| Median Home Value | $454,592 |
| Average Home Value | $688,279 |
Housing Distribution
Address Breakdown
Residential
10,127
Single Family
60
Multi-Family
10,067
Businesses
346
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10037, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,106 (100%) |
| Owner Occupied HU | 798 ( 7.9%) |
| Renter Occupied HU | 8,639 (85.5%) |
| Vacant Housing Units | 669 ( 6.6%) |
| Median Home Value | $454,592 |
| Average Home Value | $688,279 |
Housing Distribution
Address Breakdown
Residential
10,127
Single Family
60
Multi-Family
10,067
Businesses
346
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices