865 E 178th StreetBronxNY10460
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play865 E 178th Street, Bronx, NY, 10460 in Bronx is priced for appreciation, not yield. Rental yield 4.01%. At $1,249,999 with a 4.01% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $345,352 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.74) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $208,183.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 5.1% |
| Monthly Cash Flow | $(4,171) | $1,850 |
City averages based on Bronx market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,176 |
| Total Monthly Debt Service | $7,850 |
| DSCR Ratio | 0.53x |
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.
Multi Family
Built in 2006
2,856 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10460, Bronx, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,271 (100%) |
| Owner Occupied HU | 2,110 ( 8.3%) |
| Renter Occupied HU | 21,219 (84.0%) |
| Vacant Housing Units | 1,942 ( 7.7%) |
| Median Home Value | $636,538 |
| Average Home Value | $662,245 |
Housing Distribution
Address Breakdown
Residential
23,138
Single Family
2,714
Multi-Family
20,424
Businesses
733
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
Multi Family
Built in 2006
2,856 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10460, Bronx, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,271 (100%) |
| Owner Occupied HU | 2,110 ( 8.3%) |
| Renter Occupied HU | 21,219 (84.0%) |
| Vacant Housing Units | 1,942 ( 7.7%) |
| Median Home Value | $636,538 |
| Average Home Value | $662,245 |
Housing Distribution
Address Breakdown
Residential
23,138
Single Family
2,714
Multi-Family
20,424
Businesses
733
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices