7 Balint Dr #521 · Yonkers, NY 10710

$154,900

1 bd · 1.0 ba · 700 sqft · Townhouse · 123 Days on market

Built 1968 Fair condition $221/sqft · 15% below area Est $183k · 15% under

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +14.4/15.0
• DSCR +10.0/10.0
• 1% rule +9.4/10.0
• Schools +4.1/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Lovely, Renovated Mint Condition 1 Bedroom at The Carriage House with parking!!! Enjoy Quiet exposure from Large Living Room with picture windows and spacious bedroom. Brand new modern kitchen features, stunning counter tops and backsplash withstainless-steel appliances including dish/washer. New doors, updated bath, ample closets, separate dining area and more make this an inviting move right in home!

Key facts

• Updated bath
• Large living room
• Modern kitchen

Tags

• RENOVATED MINT CONDITION
• LARGE LIVING ROOM
• MODERN KITCHEN
• STUNNING COUNTER TOPS
• STAINLESS-STEEL APPLIANCES
• UPDATED BATH

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath townhouse listed at $155k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $697 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $155k).
• Recommended offer: $136k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.7% vs local median 5.2% in Yonkers — 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 68/100 on livability (#528 in NY) — a middle-class / working-renter tenant base. Strengths: employment A, commute B; Watch: amenities F, cost of living F.
• Yonkers City School District (suburban): math 41% / reading 54% proficiency, ranked #413 of 590 in NY (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 248 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals lingering (median 83d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 71% 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).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $43k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 123 days — a 12% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 23y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $100k; list at $155k implies a 55% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $136,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 123 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1968 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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.
7. 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.
8. 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: 1.44% ✓
• Cap rate: 11.69%
• Cash-on-cash: 19.29%
• DSCR: 1.86
• GRM: 5.8

CMA / ARV

• ARV (median comp): $182,768
• List price: $154,900
• Delta: -15.25%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1841 Central Park Ave Unit 17K	0.32mi	1/1.0	750 (+7%)	0mo	$165,000	$220	73
4 Sadore Ln Unit 5J	0.13mi	1/1.0	800 (+14%)	2mo	$215,000	$269	69
3 Sadore Ln Unit 4P	0.18mi	1/1.0	800 (+14%)	1mo	$197,000	$246	67
1549 Central Park Ave Unit G4	0.46mi	1/1.0	750 (+7%)	1mo	$155,000	$207	66
1561 Central Park Ave Unit I-5	0.44mi	1/1.0	750 (+7%)	2mo	$155,000	$207	66
682 Tuckahoe Rd Unit 5H	0.46mi	1/1.0	750 (+7%)	2mo	$118,000	$157	65
2035 Central Park Ave Unit 2V	0.74mi	1/1.0	700 (0%)	2mo	$135,000	$193	64
560 Tuckahoe Rd Unit 4B	0.49mi	1/1.0	750 (+7%)	3mo	$158,000	$211	63
44 Winchester Ave Unit 1B	0.58mi	1/1.0	750 (+7%)	0mo	$150,000	$200	61
40 Winchester Ave Unit 2A	0.60mi	1/1.0	750 (+7%)	0mo	$218,500	$291	60
15 Winchester Ave Unit 2A	0.74mi	1/1.0	750 (+7%)	1mo	$176,500	$235	53
15 Winchester Ave Unit 1B	0.74mi	1/1.0	780 (+11%)	1mo	$189,000	$242	45

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 11.2%
• Equity multiple: 1.45×
• Total profit: $19,329
• Equity at exit: $23,096

10-year hold

• IRR: 20.3%
• Equity multiple: 2.71×
• Total profit: $74,135
• Equity at exit: $13,393

Cash invested: $43,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (CITY): 5 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City Yonkers: 5 Strongly Tenant-Friendly · D+20

Westchester rent guidelines board.

Methodology + full state rankings →

Seller's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 16 active · 33 under contract
• Months of supply: 2.7 mo (36%/mo absorbed)
• Median asking: $199,900 ($255/sqft)
• Median days on market: 40 d
• This list price: 6% of active listings are priced below it
• ARV vs active asking: +2.3% vs current asking $/sqft

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

ZIP-level market 10710

• Active inventory: 248
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $2,237 high
• Mortgage (P&I): −$812
• Tax est. 1.5%: −$194 /mo · $2,324/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$470
• Net cashflow: $697

Break-even live

Break-even rent $1,355

Max offer price $154,900

Occupancy floor 64%

Sensitivity live

Price	-10% $804	-5% $751	+0% $697	+5% $644	+10% $590
Rent	-10% $520	-5% $609	+0% $697	+5% $785	+10% $874
Rate	-1.0pp $775	-0.5pp $736	base $697	+0.5pp $657	+1.0pp $616

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: $38,725
• Closing costs: $4,647
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3 Sadore Ln Apt 6M Yonkers, NY	1.0	1.0	750	$2,000	$2.67	39d	1	0.19mi
1531 Central Park Ave Apt C1 Yonkers, NY	1.0	1.0	750	$2,100	$2.80	51d	1	0.49mi
12 Wainwright Ave Apt 1B Yonkers, NY	1.0	1.0	700	$1,950	$2.79	139d	1	0.50mi
1523 Central Park Ave Unit 16F Yonkers, NY	—	1.0	550	$1,450	$2.64	39d	1	0.50mi
717 Tuckahoe Rd Unit 16A Yonkers, NY	1.0	1.0	650	$2,495	$3.84	100d	1	0.50mi
8 Wainwright Ave Apt 2C Yonkers, NY	—	1.0	700	$1,600	$2.29	7d	1	0.52mi
42 Winchester Ave Unit 2A Yonkers, NY	1.0	1.0	700	$2,100	$3.00	109d	1	0.64mi
2035 Central Park Ave Apt 2M Yonkers, NY	—	1.0	500	$1,880	$3.76	83d	1	0.72mi
601 Ridge Hill Blvd Yonkers, NY	1.0–2.0	1.0–2.0	958	$2,995	$3.12	5d	7	0.76mi
21 Scarsdale Rd Yonkers, NY	1.0	1.0	684	$3,730	$5.45	0d	19	0.89mi
107 Kensington Rd Unit 5 Bronxville, NY	2.0	1.0	655	$2,650	$4.05	64d	1	1.02mi
4 Consulate Dr Apt 4-H Eastchester, NY	1.0	1.0	700	$2,600	$3.71	7d	1	1.02mi
28 Kenilworth Rd Unit The Cottage Yonkers, NY	1.0	1.0	600	$1,950	$3.25	110d	1	1.04mi
2 Consulate Dr Unit 1J Tuckahoe, NY	1.0	1.0	750	$2,700	$3.60	107d	1	1.07mi
50 Columbus Ave Unit 817 Tuckahoe, NY	1.0	1.0	750	$3,000	$4.00	117d	1	1.09mi
146 Columbus Ave Unit 1 Tuckahoe, NY	1.0	1.0	550	$2,250	$4.09	7d	1	1.10mi
21 Fairview Ave Apt 315 Tuckahoe, NY	1.0	1.0	750	$2,200	$2.93	84d	1	1.11mi
31 Fairview Ave #3 Tuckahoe, NY	1.0	1.0	750	$2,400	$3.20	76d	1	1.12mi
81 Wallace St Unit 2W Tuckahoe, NY	1.0	1.0	625	$2,150	$3.44	2d	1	1.16mi
123 Wallace St Tuckahoe, NY	2.0	1.0	750	$2,500	$3.33	5d	1	1.16mi
23 Belknap Ave Yonkers, NY	1.0	1.0	700	$2,300	$3.29	120d	1	1.19mi
300 Columbus Ave Tuckahoe, NY	—	1.0	766	$3,100	$4.05	114d	5	1.26mi
90 Beaumont Cir Yonkers, NY	1.0–2.0	1.0	754	$2,655	$3.52	6d	14	1.28mi
212 Alpine Pl Tuckahoe, NY	1.0	1.0	700	$2,700	$3.86	115d	1	1.31mi
212 Alpine Pl Tuckahoe, NY	1.0	1.0	750	$2,700	$3.60	65d	1	1.31mi
247 Mile Square Rd Unit 1ST Yonkers, NY	—	1.5	350	$1,650	$4.71	100d	1	1.33mi
247 Mile Square Rd Yonkers, NY	—	1.0	350	$1,650	$4.71	100d	1	1.33mi
Glen Rd Unit H Eastchester, NY	1.0	1.0	612	$2,200	$3.59	139d	1	1.47mi

Listing history 50 events

1. 2026-09-24
   days on market $154,900 Active 123 DOM
2. 2026-09-23
   days on market $154,900 Active 122 DOM
3. 2026-09-22
   days on market $154,900 Active 121 DOM
4. 2026-09-21
   days on market $154,900 Active 120 DOM
5. 2026-09-20
   days on market $154,900 Active 119 DOM
6. 2026-09-19
   days on market $154,900 Active 118 DOM
7. 2026-09-18
   days on market $154,900 Active 117 DOM
8. 2026-09-17
   days on market $154,900 Active 116 DOM
9. 2026-09-16
   days on market $154,900 Active 115 DOM
10. 2026-09-15
    days on market $154,900 Active 114 DOM
11. 2026-09-14
    days on market $154,900 Active 113 DOM
12. 2026-09-13
    days on market $154,900 Active 112 DOM
13. 2026-09-12
    days on market $154,900 Active 111 DOM
14. 2026-09-11
    days on market $154,900 Active 110 DOM
15. 2026-09-05
    days on market $154,900 Active 104 DOM
16. 2026-09-04
    days on market $154,900 Active 103 DOM
17. 2026-09-02
    days on market $154,900 Active 101 DOM
18. 2026-08-31
    days on market $154,900 Active 99 DOM
19. 2026-08-30
    days on market $154,900 Active 98 DOM
20. 2026-08-29
    pricedays on market $154,900 Active 97 DOM
21. 2026-08-28
    days on market $159,900 Active 96 DOM
22. 2026-08-27
    days on market $159,900 Active 95 DOM
23. 2026-08-26
    days on market $159,900 Active 94 DOM
24. 2026-08-25
    days on market $159,900 Active 93 DOM
25. 2026-08-24
    days on market $159,900 Active 92 DOM
26. 2026-08-23
    days on market $159,900 Active 91 DOM
27. 2026-08-22
    days on market $159,900 Active 90 DOM
28. 2026-08-21
    days on market $159,900 Active 89 DOM
29. 2026-08-20
    days on market $159,900 Active 88 DOM
30. 2026-08-19
    days on market $159,900 Active 87 DOM
31. 2026-08-18
    days on market $159,900 Active 86 DOM
32. 2026-08-17
    days on market $159,900 Active 85 DOM
33. 2026-08-16
    days on market $159,900 Active 84 DOM
34. 2026-08-15
    days on market $159,900 Active 83 DOM
35. 2026-08-14
    days on market $159,900 Active 82 DOM
36. 2026-08-13
    days on market $159,900 Active 81 DOM
37. 2026-08-12
    days on market $159,900 Active 80 DOM
38. 2026-08-11
    days on market $159,900 Active 79 DOM
39. 2026-08-10
    days on market $159,900 Active 78 DOM
40. 2026-08-09
    days on market $159,900 Active 77 DOM
41. 2026-08-08
    days on market $159,900 Active 76 DOM
42. 2026-08-06
    days on market $159,900 Active 74 DOM
43. 2026-08-05
    days on market $159,900 Active 73 DOM
44. 2026-08-04
    days on market $159,900 Active 72 DOM
45. 2026-08-03
    days on market $159,900 Active 71 DOM
46. 2026-07-31
    days on market $159,900 Active 68 DOM
47. 2026-07-30
    days on market $159,900 Active 66 DOM
48. 2026-07-28
    days on market $159,900 Active 65 DOM
49. 2026-07-26
    days on market $159,900 Active 63 DOM
50. 2026-07-24
    days on market $159,900 Active 61 DOM

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥99°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,849
• − Mortgage interest: −$8,677
• − Property taxes: −$2,324
• − Insurance: −$774
• − Repairs & maintenance: −$2,148
• − Management: −$2,148
• − Depreciation: −$4,506
• Taxable income: $6,272
• Est. tax owed @ 24.0%: −$1,505
• After-tax cash flow: $6,859/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 · 9 photos

Fair 45/100 Cosmetic rehab Est. rehab $3,500–$10,500 screening

The home is in fair condition with cosmetic updates needed to enhance its resale and rental value.

Components & finishes AI

Roof flat membrane · good

Repairs flagged

• Minor Kitchen cabinets — Worn and dated appearance, but not visibly damaged
• Minor Kitchen flooring — Worn and dated appearance, but not visibly damaged
• Minor Bathroom fixtures — Worn and dated appearance, but not visibly damaged
• Minor Landscaping — Could benefit from some updates to enhance curb appeal

Value-add opportunities

• Resale Paint interior walls — Fresh paint can significantly improve the home's appearance and value ↑
• Resale Replace kitchen flooring — New flooring can enhance the home's appeal and value ↑
• Resale Update bathroom fixtures — Modern fixtures can greatly improve the home's appeal and value ↑
• Both Landscaping improvements — Enhanced landscaping can improve curb appeal and attract more potential buyers/tenants ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

Schools (NCES district)

• District: Yonkers City School District
• NCES district ID: 3631920
• Math proficiency: 41% ▼ -1.00%
• Reading proficiency: 54% ▲ 14.00%
• Median HH income: $58,042
• Composite: 41.43/100
• National rank: #3471
• State rank: #413 of 590 in NY

C Composite livability gradescore 68/100

Livability — Yonkers

• Score: 68/100
• State rank: #528
• US rank: #9394

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Yonkers, NY
• County: Westchester County · 1,028,035 people
• City population: 212,407
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 25,855
• Household income: $108,845
• Rent vs Own: 29.3% rent · 70.7% own
• Severe rent burden: 12% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.72)
• Race & ethnicity: White 39% Hispanic / Latino 30% Black 14% Two or more races 12% Asian 11% Native American 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 9% Dominican 9%
• Common ancestry: Romanian 2% Scotch-Irish 1% Hispanic 1%
• Foreign-born: 26% · Canada, Jamaica, China
• Languages at home: 64% English-only · Spanish 18% Other Indo-European 6% Other Asian/Pacific 5%

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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: —

Market trends

• HPI YoY: ▼ -622.30%
• Current HPI: 297.1704
• Rent YoY: —
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

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Industry mix (Fortune 500 HQ in NY)

Industry	F500 HQs	Revenue
▸Financial Services	10	$950B
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

+153.8% since first listed

26 events — show timeline

• 2026-05-16 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-03-25 Listed $159,900 OneKey® MLS as Distributed by MLS Grid
• 2015-11-05 Price Changed $99,900 HGMLS
• 2015-11-05 Sold (MLS) $100,000 HGMLS
• 2015-11-04 Sold (MLS) $100,000 OneKey® MLS as Distributed by MLS Grid
• 2015-04-25 Contingent — HGMLS
• 2015-03-26 Price Changed $100,000 HGMLS
• 2015-03-26 Price Changed $99,900 HGMLS
• 2014-08-15 Listed $109,900 HGMLS
• 2014-08-15 Listed $99,900 OneKey® MLS as Distributed by MLS Grid
• 2014-07-08 Delisted — HGMLS
• 2014-07-08 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2014-06-09 Listed — HGMLS
• 2014-06-09 Delisted — HGMLS
• 2014-06-09 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2014-06-09 Listed $117,500 OneKey® MLS as Distributed by MLS Grid
• 2014-02-06 Listed — HGMLS
• 2014-02-06 Listed $119,000 OneKey® MLS as Distributed by MLS Grid
• 2009-10-05 Sold (MLS) $129,900 HGMLS
• 2009-09-23 Delisted — HGMLS
• 2009-07-21 Contingent — HGMLS
• 2009-06-18 Listed $129,900 HGMLS
• 2003-09-09 Sold (MLS) $63,000 HGMLS
• 2003-06-20 Price Changed $69,900 HGMLS
• 2003-06-20 Delisted — HGMLS
• 2003-05-01 Listed $63,000 HGMLS