870 W 181st St APT 2-AManhattanNY10033
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 870 W 181st St APT 2-A, Manhattan, NY, 10033 in Manhattan achieves a 1.74 ratio at $395,000: $3,082/mo rent versus $1,776/mo debt service. Rental yield 9.36%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 9.36% yield compounds alongside 5% annual appreciation projecting $109,131 in value. Total projected cumulative return: $124,404.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $(470) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,082 |
| Total Monthly Debt Service | $3,395 |
| DSCR Ratio | 0.91x |
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 1923
N/A lot
$N/A/sqft
$914 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10033, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,597 (100%) |
| Owner Occupied HU | 2,458 (11.9%) |
| Renter Occupied HU | 16,834 (81.7%) |
| Vacant Housing Units | 1,305 ( 6.3%) |
| Median Home Value | $724,865 |
| Average Home Value | $860,463 |
Housing Distribution
Address Breakdown
Residential
19,434
Single Family
150
Multi-Family
19,284
Businesses
944
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 1923
N/A lot
$N/A/sqft
$914 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10033, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,597 (100%) |
| Owner Occupied HU | 2,458 (11.9%) |
| Renter Occupied HU | 16,834 (81.7%) |
| Vacant Housing Units | 1,305 ( 6.3%) |
| Median Home Value | $724,865 |
| Average Home Value | $860,463 |
Housing Distribution
Address Breakdown
Residential
19,434
Single Family
150
Multi-Family
19,284
Businesses
944
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices