306 E Mosholu Pkwy S Unit 3K · New York, NY 10458

$175,000

1 bd · 1.0 ba · 700 sqft · Condo · 130 Days on market

Built 1934

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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
• DSCR +10.0/10.0
• 1% rule +8.9/10.0
• ARV discount +7.5/15.0
• Appreciation +7.5/10.0
• Schools +5.0/10.0
• Rent growth +4.5/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Discover one of the Bronx’s best values with Apartment 3K, an affordable 1-bedroom, 1-bathroom co-op offering space, character, and the chance to make it your own. Why rent when you can own a classic pre-war home in a well-maintained Art Deco building for less than $1,900 per month? This bright, generously sized apartment features hardwood floors, windows in both the kitchen and bath, and a sunlit living room overlooking the quiet rear courtyard, providing the perfect canvas for your updates and personal style. Bedford House offers the convenience of an elevator, video intercom, onsite laundry, shared courtyard, and live-in super. Pets are welcome with board approval, and flexible ownership options including subletting, co-purchasing, gifting, and pied-à-terre use are considered case by case. The location combines charm and convenience: near the New York Botanical Garden, Bronx Zoo, Fordham University, Lehman College, and the cafes and bakeries of Arthur Avenue. You will also find supermarkets, shops, and green spaces nearby. Commuting is easy with the B, D, and #4 trains, express buses, Metro-North, and major highways close at hand. Apartment 3K is an attainable opportunity to own in a classic Bronx building full of light, character, and long-term value and to build equity for less than many rentals.

Key facts

• Nearby supermarkets
• Nearby shops
• Shared courtyard

Tags

• HARDWOOD FLOORS
• VIDEO INTERCOM SYSTEM
• SHARED COURTYARD
• CLOSE TO BRONX ZOO
• NEARBY SUPERMARKETS
• NEARBY SHOPS

🏢 Co-op / cooperative unit. The $175,000 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 condo listed at $175k.

Deal economics

• At list price, monthly cash flow is $717 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $175k).
• Recommended offer: $154k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.2% vs local median 2.6% in New York — 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 75/100 on livability (#268 in NY, #4,188 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, health & safety A; Watch: crime F, cost of living F.
• Market conditions: Rents rising fast (+8.0%/yr); 63 active listings in the ZIP; lower-income renter base — watch delinquency; 6,929 units permitted in Bronx County in 2024 (6,829 in 5+ unit buildings).
• At $2,439/mo this rent would consume 72% of the median local household income ($41k/yr) (locally 10274% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $10k of equity ($1k loan paydown + $9k appreciation (5.0% local appreciation)).
• Bronx County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (5.0% appreciation + 8.0% rent growth), your $49k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 130 days — a 12% lower offer ($154k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Risks & watch-outs

• Watch-outs: built in 1934 — expect roof / HVAC / electrical / plumbing capex.
• 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 $154,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 130 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1934 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
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. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
8. 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.
9. 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.
10. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.39% ✓
• Cap rate: 11.21%
• Cash-on-cash: 17.56%
• DSCR: 1.78
• GRM: 6.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

5.03% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 31.4%
• Equity multiple: 3.02×
• Total profit: $99,187
• Equity at exit: $99,432

10-year hold

• IRR: 32.4%
• Equity multiple: 6.94×
• Total profit: $291,262
• Equity at exit: $171,823

Cash invested: $49,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (CITY): 0 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City New York: 0 Strongly Tenant-Friendly · D+34

Rent Stabilization Code; HSTPA; 6+ months in housing court.

Methodology + full state rankings →

ZIP-level market 10458

• Home prices YoY: 3.0%
• Rents YoY: 8.0%
• Active inventory: 63
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $2,439 medium
• Mortgage (P&I): −$918
• Tax est. 1.5%: −$219 /mo · $2,625/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$512
• Net cashflow: $717

Break-even live

Break-even rent $1,531

Max offer price $175,000

Occupancy floor 66%

Sensitivity live

Price	-10% $838	-5% $778	+0% $717	+5% $657	+10% $596
Rent	-10% $525	-5% $621	+0% $717	+5% $814	+10% $910
Rate	-1.0pp $805	-0.5pp $762	base $717	+0.5pp $672	+1.0pp $626

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

HOA detail condo

• Monthly dues: $0 · $0/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 4 events

1. 2026-02-14
   status Pending

   Show marketing remark (1347 chars)

   Discover one of the Bronx’s best values with Apartment 3K, an affordable 1-bedroom, 1-bathroom co-op offering space, character, and the chance to make it your own. Why rent when you can own a classic pre-war home in a well-maintained Art Deco building for less than $1,900 per month? This bright, generously sized apartment features hardwood floors, windows in both the kitchen and bath, and a sunlit living room overlooking the quiet rear courtyard, providing the perfect canvas for your updates and personal style. Bedford House offers the convenience of an elevator, video intercom, onsite laundry, shared courtyard, and live-in super. Pets are welcome with board approval, and flexible ownership options including subletting, co-purchasing, gifting, and pied-à-terre use are considered case by case. The location combines charm and convenience: near the New York Botanical Garden, Bronx Zoo, Fordham University, Lehman College, and the cafes and bakeries of Arthur Avenue. You will also find supermarkets, shops, and green spaces nearby. Commuting is easy with the B, D, and #4 trains, express buses, Metro-North, and major highways close at hand. Apartment 3K is an attainable opportunity to own in a classic Bronx building full of light, character, and long-term value and to build equity for less than many rentals.

2. 2026-02-14
   status Pending 1347-char remark

   Show marketing remark (1347 chars)

   Discover one of the Bronx’s best values with Apartment 3K, an affordable 1-bedroom, 1-bathroom co-op offering space, character, and the chance to make it your own. Why rent when you can own a classic pre-war home in a well-maintained Art Deco building for less than $1,900 per month? This bright, generously sized apartment features hardwood floors, windows in both the kitchen and bath, and a sunlit living room overlooking the quiet rear courtyard, providing the perfect canvas for your updates and personal style. Bedford House offers the convenience of an elevator, video intercom, onsite laundry, shared courtyard, and live-in super. Pets are welcome with board approval, and flexible ownership options including subletting, co-purchasing, gifting, and pied-à-terre use are considered case by case. The location combines charm and convenience: near the New York Botanical Garden, Bronx Zoo, Fordham University, Lehman College, and the cafes and bakeries of Arthur Avenue. You will also find supermarkets, shops, and green spaces nearby. Commuting is easy with the B, D, and #4 trains, express buses, Metro-North, and major highways close at hand. Apartment 3K is an attainable opportunity to own in a classic Bronx building full of light, character, and long-term value and to build equity for less than many rentals.

3. 2025-10-07
   listed $175,000 Active

   Show marketing remark (1347 chars)

   Discover one of the Bronx’s best values with Apartment 3K, an affordable 1-bedroom, 1-bathroom co-op offering space, character, and the chance to make it your own. Why rent when you can own a classic pre-war home in a well-maintained Art Deco building for less than $1,900 per month? This bright, generously sized apartment features hardwood floors, windows in both the kitchen and bath, and a sunlit living room overlooking the quiet rear courtyard, providing the perfect canvas for your updates and personal style. Bedford House offers the convenience of an elevator, video intercom, onsite laundry, shared courtyard, and live-in super. Pets are welcome with board approval, and flexible ownership options including subletting, co-purchasing, gifting, and pied-à-terre use are considered case by case. The location combines charm and convenience: near the New York Botanical Garden, Bronx Zoo, Fordham University, Lehman College, and the cafes and bakeries of Arthur Avenue. You will also find supermarkets, shops, and green spaces nearby. Commuting is easy with the B, D, and #4 trains, express buses, Metro-North, and major highways close at hand. Apartment 3K is an attainable opportunity to own in a classic Bronx building full of light, character, and long-term value and to build equity for less than many rentals.

4. 2025-10-07
   listed $175,000 Active 1347-char remark

   Show marketing remark (1347 chars)

   Discover one of the Bronx’s best values with Apartment 3K, an affordable 1-bedroom, 1-bathroom co-op offering space, character, and the chance to make it your own. Why rent when you can own a classic pre-war home in a well-maintained Art Deco building for less than $1,900 per month? This bright, generously sized apartment features hardwood floors, windows in both the kitchen and bath, and a sunlit living room overlooking the quiet rear courtyard, providing the perfect canvas for your updates and personal style. Bedford House offers the convenience of an elevator, video intercom, onsite laundry, shared courtyard, and live-in super. Pets are welcome with board approval, and flexible ownership options including subletting, co-purchasing, gifting, and pied-à-terre use are considered case by case. The location combines charm and convenience: near the New York Botanical Garden, Bronx Zoo, Fordham University, Lehman College, and the cafes and bakeries of Arthur Avenue. You will also find supermarkets, shops, and green spaces nearby. Commuting is easy with the B, D, and #4 trains, express buses, Metro-North, and major highways close at hand. Apartment 3K is an attainable opportunity to own in a classic Bronx building full of light, character, and long-term value and to build equity for less than many rentals.

ⓘ 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 1/10 Low
• 🌡 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 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,265
• − Mortgage interest: −$9,803
• − Property taxes: −$2,625
• − Insurance: −$875
• − Repairs & maintenance: −$2,341
• − Management: −$2,341
• − Depreciation: −$5,091
• Taxable income: $6,189
• Est. tax owed @ 24.0%: −$1,485
• After-tax cash flow: $7,121/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.

Schools (NCES district)

No district data.

Livability — New York

• Score: 75/100
• State rank: #268
• US rank: #4188

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: New York, NY
• County: Bronx County · 1,197,324 people
• City population: 7,731,280
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 74,898
• Household income: $40,800
• Rent vs Own: 95.8% rent · 4.2% own
• Severe rent burden: 10274.0

Population outlook (Bronx County) Hauer SSP2

• Today (2025): 1,607,353 people
• By 2030: 1,681,852 · +4.6%
• By 2040: 1,824,421 · +13.5%
• By 2050: 1,945,470 · +21.0%
• By 2075: 2,187,887 · +36.1%
• By 2100: 2,244,136 · +39.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (70%)
• Race & ethnicity: Hispanic / Latino 70% Black 16% Two or more races 10% White 8% Asian 4% Native American 2%
• Hispanic origin (detail): Mexican 12% Puerto Rican 15% Dominican 34%
• Foreign-born: 41% · Canada, Jamaica, South Korea
• Languages at home: 30% English-only · Spanish 61% Other Indo-European 3% French/Haitian/Cajun 1%

Political lean MEDSL · Bronx

• 2024 margin: Solid D (+45.4) · D 72.7% · R 27.3%
• 2008→2024 swing: -32.3pp toward R · 2008: 77.8pp · 2024: 45.4pp
• All cycles: 2024: D+45.4 2020: D+67.6 2016: D+79.1 2012: D+82.9 2008: D+77.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 5.03%
• Current HPI: 173.4217
• Rent YoY: ▲ 8.04%
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

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

+0.0% since first listed

4 events — show timeline

• 2026-02-14 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-02-14 Pending — BNYMLS
• 2025-10-07 Listed $175,000 BNYMLS
• 2025-10-07 Listed $175,000 OneKey® MLS as Distributed by MLS Grid