77 Charlton St #N5ENew YorkNY10014
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 77 Charlton St #N5E, New York, NY, 10014 in New York hard to pass up. The 10.25% gross yield on a $1,300,000 purchase results in $11,104/mo in rent and $1,689/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (1.90). Annual cash flow of $20,273, five-year appreciation of $359,166, and $11,973/yr in equity build-up combine for a projected total cumulative return of $607,606.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 4.8% |
| Monthly Cash Flow | $1,689 | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $11,104 |
| Total Monthly Debt Service | $8,897 |
| DSCR Ratio | 1.25x |
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 2020
N/A lot
$N/A/sqft
$733 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10014, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,730 (100%) |
| Owner Occupied HU | 5,412 (24.9%) |
| Renter Occupied HU | 13,475 (62.0%) |
| Vacant Housing Units | 2,843 (13.1%) |
| Median Home Value | $1,392,361 |
| Average Home Value | $1,447,235 |
Housing Distribution
Address Breakdown
Residential
21,224
Single Family
782
Multi-Family
20,442
Businesses
1,845
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 2020
N/A lot
$N/A/sqft
$733 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10014, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,730 (100%) |
| Owner Occupied HU | 5,412 (24.9%) |
| Renter Occupied HU | 13,475 (62.0%) |
| Vacant Housing Units | 2,843 (13.1%) |
| Median Home Value | $1,392,361 |
| Average Home Value | $1,447,235 |
Housing Distribution
Address Breakdown
Residential
21,224
Single Family
782
Multi-Family
20,442
Businesses
1,845
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices