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100 New Roc City Pl #417 🏢 Co-op
C- Composite 51.84
Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +15.8/30.0
  • ARV discount +10.6/15.0
  • Schools +5.9/10.0
  • DSCR +4.9/10.0
  • 1% rule +4.3/10.0
  • Condition / age +4.0/5.0
  • Livability +3.5/5.0
  • Rent growth +2.9/5.0
  • Appreciation +0.0/10.0

$299,000

100 New Roc City Pl #417 · New Rochelle, NY 10801
1 bd · 1.0 ba · 895 sqft · Townhouse · 84 Days on market
Built 2001 Good condition

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

No board approval required. Mint, move-in condition, freshly painted. Large 1 bedroom unit. .. building has a gym, large community room with kitchen, large screen tv, pool table and game room and more! Building also has a large rooftop patio with sweeping water views. .. great for sitting, sunning & entertaining! Located in the heart of New Rochelle, within blocks of the Metro North Train Station. Close to buses, all major highways, restaurants and shops, a commuters dream! 11 foot ceilings, large windows with water view and hardwood floors. Great unit, great building and area. .. .will not last!

Key facts

  • Water views
  • Rooftop patio
  • Gym

Tags

GYMCOMMUNITY ROOMROOFTOP PATIOWATER VIEWSMETRO NORTH TRAIN STATIONHARDWOOD FLOORS

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…
🏢 Co-op / cooperative unit. The $299,000 price buys shares in the cooperative corporation, not the real estate itself — so it isn't comparable to a fee-simple sale price, and the cashflow / cap-rate / 1%-rule cards below (which assume you own the property and can rent it out) don't apply here. Expect board approval and a monthly maintenance fee on top of the price.

What this means for you Summary

Snapshot

  • This is a 1-bed/1.0-bath townhouse listed at $299k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $136 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $279k (6.8% below list).
  • Recommended offer: $279k (6.8% below list) — sets the bar for 1% rule.
  • Cap rate 6.8% vs local median 4.6% in New Rochelle — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 69/100 on livability (#487 in NY) — a middle-class / working-renter tenant base. Strengths: employment A+, crime A, amenities B+; Watch: housing D+, commute F, cost of living F.
  • New Rochelle City School District (suburban): math 63% / reading 66% proficiency, ranked #171 of 590 in NY (top 29%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Trinity Elementary School (math 40% / reading 47%, grade F, #1,350 of 2,108 statewide, top 64%, 863 students, 66% FRL); Isaac E Young Middle School (math 47% / reading 62%, grade B-, #214 of 729 statewide, top 31%, 1,138 students, 76% FRL); New Rochelle High School (math 87% / reading 72%, grade A-, #518 of 1,100 statewide, top 51%, 3,076 students, 57% FRL) — zoned schools average 67% FRL vs 41% district-wide (26 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: Rents rising (+1.4%/yr); 201 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 954 units permitted in Westchester County in 2024 (649 in 5+ unit buildings).
  • This rent runs 39% of the median local income ($86k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
  • Westchester County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

  • It's been on market 84 days — a 6% lower offer ($281k) is reasonable based on typical stale-listing flexibility.
Recommended offer $278,767 (6.8% below list)

Questions for the listing agent

  1. It's been on market 84 days. Have you received any prior offers? Is the seller open to a 7% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
0.93%
Cap rate
6.84%
Cash-on-cash
1.95%
DSCR
1.09
GRM
8.9

CMA / ARV

ARV (median comp)
$321,410
List price
$299,000
Delta
-6.97%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
175 Huguenot St Ph 604 0.13mi 1/1.5 925 (+3%) 1mo $499,000 $539 86
175 Huguenot St #2404 0.13mi 1/1.5 850 (-5%) 2mo $420,000 $494 82
60 Locust Ave Unit A207 0.24mi 2/1.0 (+1) 900 (+1%) 4mo $195,000 $217 80
60 Locust Ave #610 0.24mi 2/1.0 (+1) 900 (+1%) 5mo $200,000 $222 79
175 Huguenot St #703 0.14mi 1/1.5 825 (-8%) 2mo $462,000 $560 76
175 Huguenot St #1605 0.13mi 1/1.5 825 (-8%) 3mo $425,000 $515 76
126 Church St Unit 1E 0.45mi 1/1.0 926 (+4%) 4mo $180,000 $194 70
126 Church St Unit 3M 0.45mi 1/1.0 850 (-5%) 4mo $160,000 $188 67
25 Leroy Pl #509 0.32mi 1/1.0 796 (-11%) 3mo $425,000 $534 64
200 Centre Ave Unit 3B 0.47mi 1/1.0 832 (-7%) 5mo $145,000 $174 62
10 Davenport Ave Unit 1N 0.54mi 1/1.0 800 (-11%) 1mo $135,000 $169 57
126 Church St Unit 2D 0.45mi 2/1.5 (+1) 1,000 (+12%) 1mo $265,000 $265 52

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 1.42% rent growth · sell at horizon

5-year hold
IRR
-15.0%
Equity multiple
0.47×
Total profit
$-44,114
Equity at exit
$44,582
10-year hold
IRR
-9.2%
Equity multiple
0.47×
Total profit
$-44,439
Equity at exit
$25,852

Cash invested: $83,720 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
15 Strongly Tenant-Friendly
State New York
15 Strongly Tenant-Friendly · D+10
County
— inherits STATE
City
— inherits STATE
NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
28 active · 20 under contract
Months of supply
6.7 mo (15%/mo absorbed)
Median asking
$216,450 ($272/sqft)
Median days on market
59 d
This list price
71% of active listings are priced below it
ARV vs active asking
+31.8% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 10801

Rents YoY
1.4%
Active inventory
201
Price-to-rent
8.9×

Monthly cashflow live

Estimated rent
$2,788 high interval (Pro) →
Mortgage (P&I)
$1,568
Tax est. 1.5%
$374 /mo · $4,485/yr
Insurance
$125
HOA
$0
Vacancy / Maint / Mgmt
$585
Net cashflow
$136

Break-even live

Break-even rent $2,616
Max offer price $299,000
Occupancy floor 90%

Sensitivity live

Price -10% $343 -5% $239 +0% $136 +5% $33 +10% $-71
Rent -10% $-84 -5% $26 +0% $136 +5% $246 +10% $356
Rate -1.0pp $287 -0.5pp $212 base $136 +0.5pp $58 +1.0pp $-20

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$74,750
Closing costs
$8,970
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
10 Lecount Pl New Rochelle, NY 2.0 1.0–2.0 761 $3,516 $4.62 0d 11 0.05mi
1 Shearwood Pl New Rochelle, NY 3.0 1.0–3.0 896 $2,963 $3.30 0d 36 0.17mi
46 Locust Ave Unit 2 New Rochelle, NY 2.0 1.0 750 $2,950 $3.93 114d 1 0.17mi
12 Church St New Rochelle, NY 2.0 1.0–2.0 770 $3,564 $4.63 0d 44 0.20mi
40 Memorial Hwy New Rochelle, NY 3.0 1.0–2.0 917 $2,823 $3.08 34d 37 0.21mi
40 Memorial Hwy New Rochelle, NY 3.0 1.0–2.0 976 $2,888 $2.96 0d 45 0.21mi
10 Commerce Dr New Rochelle, NY 1.0 1.0 601 $3,175 $5.28 0d 7 0.21mi
55 Clinton Pl New Rochelle, NY 2.0 1.0–2.0 800 $3,556 $4.44 0d 11 0.24mi
16 Lafayette St Unit 2 New Rochelle, NY 2.0 2.0 1000 $3,500 $3.50 50d 1 0.24mi
50 Clinton Pl New Rochelle, NY 2.0 1.0–2.0 901 $3,798 $4.21 0d 7 0.26mi
543 Main St #402 New Rochelle, NY 1.0 1.0 924 $3,000 $3.25 111d 1 0.27mi
543 Main St #714 New Rochelle, NY 1.0 1.0 675 $2,450 $3.63 7d 1 0.27mi
20 Burling Ln New Rochelle, NY 2.0 1.0–2.0 967 $3,305 $3.42 0d 3 0.29mi
5 Prospect St Unit 2S New Rochelle, NY 1.0 1.0 650 $1,900 $2.92 7d 1 0.30mi
57 Grand St New Rochelle, NY 1.0 695 $2,500 $3.60 27d 1 0.30mi
333 Huguenot St New Rochelle, NY 2.0 1.0–2.0 822 $3,408 $4.15 0d 9 0.34mi
110 Echo Ave New Rochelle, NY 2.0 1.0 1100 $3,000 $2.73 84d 1 0.36mi
79 S Division St Unit 3 New Rochelle, NY 2.0 1.0 800 $2,600 $3.25 99d 1 0.36mi
11 Park Pl New Rochelle, NY 1.0 1.0 1015 $2,700 $2.66 139d 1 0.36mi
360 Huguenot St New Rochelle, NY 1.0–2.0 1.0–2.0 872 $2,745 $3.15 0d 10 0.38mi
111 Centre Ave New Rochelle, NY 1.0 1.0 815 $3,277 $4.02 0d 2 0.40mi
160 Centre Ave Unit 3L New Rochelle, NY 1.0 1.0 750 $2,200 $2.93 49d 1 0.40mi
387 Huguenot St New Rochelle, NY 2.0 1.0–2.0 753 $2,820 $3.75 0d 3 0.43mi
50 Guion Pl New Rochelle, NY 1.0 1.0 700 $1,935 $2.76 10d 1 0.45mi
25 Maple Ave New Rochelle, NY 1.0 1.0 547 $2,895 $5.29 0d 7 0.46mi
245 Main St Unit 1 New Rochelle, NY 1.0 1.0 750 $1,750 $2.33 113d 1 0.46mi
29 Pratt St Unit 2 New Rochelle, NY 2.0 1.0 800 $2,600 $3.25 139d 1 0.46mi
675 Main St New Rochelle, NY 2.0 1.0 1100 $2,800 $2.55 5d 1 0.57mi
3 Davenport Ave New Rochelle, NY 1.0–3.0 1.0–2.0 888 $2,399 $2.70 0d 1 0.59mi
139 Sickles Ave Unit 2 New Rochelle, NY 2.0 1.5 1000 $3,100 $3.10 116d 1 0.64mi
53 1st St New Rochelle, NY 1.0 1.0 700 $2,300 $3.29 51d 1 0.65mi
27 1st St Apt 3 New Rochelle, NY 2.0 1.0 800 $2,600 $3.25 5d 1 0.65mi
230 Pelham Rd Unit 3o New Rochelle, NY 1.0 1.0 725 $2,095 $2.89 73d 1 0.66mi
220 Pelham Rd New Rochelle, NY 1.0–2.0 1.0 837 $2,250 $2.69 4d 3 0.67mi
220 Pelham Rd New Rochelle, NY 1.0–2.0 1.0 900 $2,150 $2.39 107d 2 0.67mi
220 Pelham Rd Unit 5E New Rochelle, NY 2.0 1.0 1000 $2,595 $2.60 103d 1 0.67mi
220 Pelham Rd Apt 3F New Rochelle, NY 1.0 1.0 725 $2,095 $2.89 73d 1 0.67mi
220 Pelham Rd New Rochelle, NY 1.0–2.0 1.0 862 $2,045 $2.37 21d 3 0.67mi
230 Pelham Rd Apt 2K New Rochelle, NY 2.0 1.0 1000 $2,795 $2.79 90d 1 0.69mi
230 Pelham Rd Unit 6F New Rochelle, NY 1.0 1.0 800 $1,995 $2.49 139d 1 0.69mi

Property features AI

Finance

HOA & community
Additional monthly fee of $42.01 for sewer and refuse taxes

Exterior

Parking
1 unassigned parking spaceNo carport
Utilities
Public sewerElectricity connectedPublic trash collectionWater connected
Home design
Stock cooperative
Construction
Structurally insulated panels
Exterior features
Structurally insulated panels constructionNot waterfront

Interior

Kitchen
DishwasherGarbage disposalElectric ovenElectric rangeMicrowaveStainless steel appliances
Bedrooms
Entry level: 4
Bathrooms
1 full bathroom
Heating & cooling
Electric heatingElectric cooling
Interior features
ElevatorHigh ceilingsHigh-speed internetOpen kitchenQuartz/Quartzite countersWalk-in closet(s)Washer/dryer hookupPets allowed (size limit)
Laundry & utility
Washer/dryer hookup

Listing history 50 events

  1. 2026-09-24
    days on market $299,000 Active 84 DOM
  2. 2026-09-23
    days on market $299,000 Active 83 DOM
  3. 2026-09-22
    days on market $299,000 Active 82 DOM
  4. 2026-09-21
    days on market $299,000 Active 81 DOM
  5. 2026-09-20
    days on market $299,000 Active 80 DOM
  6. 2026-09-19
    days on market $299,000 Active 79 DOM
  7. 2026-09-18
    days on market $299,000 Active 78 DOM
  8. 2026-09-17
    days on market $299,000 Active 77 DOM
  9. 2026-09-16
    days on market $299,000 Active 76 DOM
  10. 2026-09-15
    days on market $299,000 Active 75 DOM
  11. 2026-09-14
    days on market $299,000 Active 74 DOM
  12. 2026-09-13
    days on market $299,000 Active 73 DOM
  13. 2026-09-12
    days on market $299,000 Active 72 DOM
  14. 2026-09-11
    days on market $299,000 Active 71 DOM
  15. 2026-09-05
    days on market $299,000 Active 65 DOM
  16. 2026-09-04
    days on market $299,000 Active 64 DOM
  17. 2026-09-02
    days on market $299,000 Active 62 DOM
  18. 2026-08-31
    days on market $299,000 Active 60 DOM
  19. 2026-08-29
    days on market $299,000 Active 58 DOM
  20. 2026-08-28
    days on market $299,000 Active 57 DOM
  21. 2026-08-27
    days on market $299,000 Active 56 DOM
  22. 2026-08-26
    days on market $299,000 Active 55 DOM
  23. 2026-08-25
    days on market $299,000 Active 54 DOM
  24. 2026-08-24
    days on market $299,000 Active 53 DOM
  25. 2026-08-23
    days on market $299,000 Active 52 DOM
  26. 2026-08-22
    days on market $299,000 Active 51 DOM
  27. 2026-08-21
    days on market $299,000 Active 50 DOM
  28. 2026-08-20
    days on market $299,000 Active 49 DOM
  29. 2026-08-19
    days on market $299,000 Active 48 DOM
  30. 2026-08-18
    days on market $299,000 Active 47 DOM
  31. 2026-08-17
    days on market $299,000 Active 46 DOM
  32. 2026-08-16
    days on market $299,000 Active 45 DOM
  33. 2026-08-15
    days on market $299,000 Active 44 DOM
  34. 2026-08-14
    days on market $299,000 Active 43 DOM
  35. 2026-08-13
    days on market $299,000 Active 42 DOM
  36. 2026-08-12
    days on market $299,000 Active 41 DOM
  37. 2026-08-11
    days on market $299,000 Active 40 DOM
  38. 2026-08-10
    days on market $299,000 Active 39 DOM
  39. 2026-08-09
    days on market $299,000 Active 38 DOM
  40. 2026-08-08
    days on market $299,000 Active 37 DOM
  41. 2026-08-06
    days on market $299,000 Active 35 DOM
  42. 2026-08-05
    days on market $299,000 Active 34 DOM
  43. 2026-08-04
    days on market $299,000 Active 33 DOM
  44. 2026-08-03
    days on market $299,000 Active 32 DOM
  45. 2026-07-31
    days on market $299,000 Active 29 DOM
  46. 2026-07-30
    days on market $299,000 Active 28 DOM
  47. 2026-07-30
    status $299,000 Active 27 DOM
  48. 2026-06-26
    statusdays on market $299,000 Pending 27 DOM
  49. 2026-06-24
    days on market $299,000 Active 26 DOM
  50. 2026-06-22
    days on market $299,000 Active 24 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$33,452
− Mortgage interest
−$16,749
− Property taxes
−$4,485
− Insurance
−$1,495
− Repairs & maintenance
−$2,676
− Management
−$2,676
− Depreciation
−$8,698
Taxable loss
−$3,327
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$799
After-tax cash flow
$2,430/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 12 photos

Good 80/100 None rehab

This well-maintained and move-in-ready condo is in excellent condition with no visible repairs needed. It offers a great location and amenities, making it an attractive investment.

Value-add opportunities

  • Both Painting the exterior and interior (every 5 years) — Enhances curb appeal and interior aesthetics.
  • Both Landscaping improvements (every 2 years) — Enhances curb appeal and adds value.
  • Both HVAC system upgrade (every 10 years) — Improves comfort and energy efficiency, attracting more tenants/owners.
D Composite school gradezoned avg 59/100

Zoned Schools

Elementary Trinity Elementary School F NY #1,350/2,108 Nat'l #17,359/41,679 Middle Isaac E Young Middle School B- NY #214/729 Nat'l #2,564/14,009 High New Rochelle High School A- NY #518/1,100 Nat'l #1,121/17,239

Schools (NCES district)

District
New Rochelle City School District
NCES district ID
3620490
Math proficiency
63% ▲ 3.00%
Reading proficiency
66% ▲ 9.00%
Median HH income
$69,165
Composite
56.63/100
National rank
#1139
State rank
#171 of 590 in NY
C Composite livability gradescore 69/100

Livability — New Rochelle

Score
69/100
State rank
#487
US rank
#8572

Category grades

Amenities B+ Commute F Cost of living F Crime A Employment A+ Housing D+ Health & safety B+ User ratings A-

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
New Rochelle, NY
County
Westchester County · 1,028,035 people
City population
63,657
Metro
New York-Newark-Jersey City, NY-NJ-PA
Population (ZIP)
42,754
Household income
$85,573
Rent vs Own
58.9% rent · 41.1% own
Severe rent burden
10% of renters

Population outlook (Westchester County) Hauer SSP2

Today (2025)
1,028,035 people
By 2030
1,051,636 · +2.3%
By 2040
1,098,520 · +6.9%
By 2050
1,136,044 · +10.5%
By 2075
1,196,925 · +16.4%
By 2100
1,175,147 · +14.3%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Highly diverse neighborhood (Simpson 0.72)
Race & ethnicity
Hispanic / Latino 36% White 30% Black 24% Two or more races 16% Asian 7%
Hispanic origin (detail)
Mexican 17% Puerto Rican 5% Dominican 3%
Common ancestry
Hispanic 3% Scotch-Irish 1% Romanian 1%
Foreign-born
34% · Canada, Jamaica, China
Languages at home
54% English-only · Spanish 32% Other Indo-European 5% French/Haitian/Cajun 4%

Political lean MEDSL · Westchester

2024 margin
Strong D (+26.3) · D 63.1% · R 36.9%
2008→2024 swing
-1.3pp toward R · 2008: 27.6pp · 2024: 26.3pp
All cycles
2024: D+26.3 2020: D+36.3 2016: D+32.8 2012: D+22.2 2008: D+27.6

Not yet ingested

Civics

Price history

2 events — show timeline
  • 2026-06-25 Pending OneKey® MLS as Distributed by MLS Grid
  • 2026-05-29 Listed $299,000 OneKey® MLS as Distributed by MLS Grid

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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