0-C Lane Rd #DWindhamNY12496
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 0-C Lane Rd #D, Windham, NY, 12496 in Windham is a conservative rental investment at $539,000. Rental yield 6.68%. A 1.24 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $148,916; $4,964/yr in principal paydown supplements. Total projected return: $166,950.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.2% |
| Monthly Cash Flow | $(599) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $3,385 |
| DSCR Ratio | 0.89x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Townhouse
Built in 1986
1,307 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12496, Windham, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,175 (100%) |
| Owner Occupied HU | 482 (22.2%) |
| Renter Occupied HU | 183 ( 8.4%) |
| Vacant Housing Units | 1,510 (69.4%) |
| Median Home Value | $365,278 |
| Average Home Value | $458,791 |
Housing Distribution
Address Breakdown
Residential
607
Single Family
607
Multi-Family
0
Businesses
136
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
Townhouse
Built in 1986
1,307 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12496, Windham, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,175 (100%) |
| Owner Occupied HU | 482 (22.2%) |
| Renter Occupied HU | 183 ( 8.4%) |
| Vacant Housing Units | 1,510 (69.4%) |
| Median Home Value | $365,278 |
| Average Home Value | $458,791 |
Housing Distribution
Address Breakdown
Residential
607
Single Family
607
Multi-Family
0
Businesses
136
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mary F. Donovan • Gallagher & Company
Mls Name: Columbia Greene Northern Dutchess MLS
Mls Provider:
Mls ID: #156603
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.