90 Gold St #5MNew YorkNY10038
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow90 Gold St #5M, New York, NY, 10038 in New York earns its strong cash-flow label: 11.27% yield, $6,845/mo rent, $1,157/mo net income, DSCR 2.09. The $729,000 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 $201,409 by year five. Combined with $6,714/yr in principal paydown, total projected return reaches $355,989.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 4.8% |
| Monthly Cash Flow | $1,157 | $28,500 |
City averages based on New York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,845 |
| Total Monthly Debt Service | $5,398 |
| DSCR Ratio | 1.27x |
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 1968
8.22 Acres lot
$N/A/sqft
$820 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10038, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,600 (100%) |
| Owner Occupied HU | 2,863 (21.1%) |
| Renter Occupied HU | 8,937 (65.7%) |
| Vacant Housing Units | 1,800 (13.2%) |
| Median Home Value | $894,071 |
| Average Home Value | $1,101,949 |
Housing Distribution
Address Breakdown
Residential
13,418
Single Family
55
Multi-Family
13,363
Businesses
1,334
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 1968
8.22 Acres lot
$N/A/sqft
$820 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10038, New York, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,600 (100%) |
| Owner Occupied HU | 2,863 (21.1%) |
| Renter Occupied HU | 8,937 (65.7%) |
| Vacant Housing Units | 1,800 (13.2%) |
| Median Home Value | $894,071 |
| Average Home Value | $1,101,949 |
Housing Distribution
Address Breakdown
Residential
13,418
Single Family
55
Multi-Family
13,363
Businesses
1,334
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices