For investors
I help investors underwrite deals that actually cash flow - real rents, real expenses, no rosy math. $40M+ closed, 80+ five star reviews. Free calculators to run your numbers, and a broker who knows what a block really rents for.
The right tools save you from bad deals. Before you tour anything, you want to be able to answer three questions fast: does this cash flow, can I house hack it, and is there room to add value? That is exactly why I built free calculators into the site. Run any property through the ROI calculator to see cash on cash return and cap rate, the house hack calculator if you plan to live in one unit and rent the rest, and the ADU calculator when a basement, garage, or lot has room for a legal accessory unit.
Tools are half of it. The other half is local knowledge and a team that closes. You want a lender who understands rental and multi unit financing, an attorney who closes NYC deals without drama, and a broker who can tell you what a two bedroom on that exact block really rents for. That is the part a spreadsheet cannot give you, and it is where I earn my keep. Everything lives together in one place on the resources page.
Underwrite from real numbers, not the listing's asking rents. Pull comparable rents for the exact unit type and neighborhood, then subtract every expense: taxes, insurance, water and sewer, maintenance, vacancy, and management even if you plan to manage it yourself. Whatever is left is your true cash flow. Drop those figures into the ROI calculator and it turns them into a cash on cash return and cap rate you can compare across deals. Then stress it - bump vacancy up and add a repair reserve - and see if the deal still stands.
If you plan to live in the building, the house hack calculator shows whether the tenant rents carry your mortgage while you occupy a unit. If the property has room to add a legal accessory unit, the ADU calculator models the extra income and how it changes your return. Staten Island property taxes and Brooklyn water bills can quietly sink a deal that looks great on the surface, so I always run the full expense stack with you before we write an offer.
The strongest plays right now cluster around three ideas: two to four family homes you can house hack, properties with room for a legal ADU, and the steady cash flow pockets where rents cover the carry. On Staten Island, two family homes across the Mid Island and South Shore let an owner occupant put a tenant's rent straight toward the mortgage, which is one of the cheapest ways into NYC real estate. In Brooklyn, small multis and legal basement or garage conversions can add a unit and lift value in neighborhoods that still pencil.
The right move depends on your capital, your timeline, and whether you want to live in the property. That is a conversation worth having before you buy, not after. Run your target through the calculators on the resources page, then let's compare a few real addresses so the opportunity is grounded in numbers instead of a hunch.
Investor questions
Start with the numbers. Run the deal through an ROI calculator to see your cash on cash return and cap rate, a house hack calculator if you plan to live in one unit and rent the rest, and an ADU calculator if the property has room to add a legal accessory unit. All three live in the resources section of this site and are free. Beyond the math, a good investor lines up a lender who understands rental financing, an attorney who closes NYC deals, and a broker who knows what local rents and expenses actually run - because a spreadsheet is only as good as the inputs you feed it.
Underwrite from real numbers, not asking rents. Pull comparable rents for the exact unit type and neighborhood, then subtract every expense: taxes, insurance, water and sewer, maintenance, vacancy, and management even if you self manage. Whatever is left is your true cash flow. Use the ROI calculator to turn that into a cash on cash return and cap rate, and stress test it with higher vacancy and a repair reserve. Staten Island taxes and Brooklyn water bills can quietly eat a deal, so I always run the full expense stack before we write an offer.
The strongest plays right now are two to four family homes you can house hack, properties with room for a legal ADU, and the steady cash flow pockets where rents cover the carry. On Staten Island, two family homes in the Mid Island and South Shore let an owner occupant put a tenant's rent toward the mortgage. In Brooklyn, small multis and basement or garage conversions can add a legal unit and lift value. The right answer depends on your capital, your timeline, and whether you want to live in the property, which is exactly the conversation I want to have before you buy.
For the best financing, yes. House hacking means you occupy one unit of a two to four family home and rent the others, which qualifies you for owner occupant loans with far lower down payments than a straight investment mortgage. You typically have to live there for at least a year. It is one of the most powerful ways to start investing in NYC because a tenant helps cover your housing cost while you build equity. Run your specific building through the house hack calculator and we can see whether the rents carry the mortgage.
Send me an address and I will run the real rents and expenses with you, so you know whether it cash flows before you ever write an offer. It starts with one quick conversation.