10 Church StreetKingstonNY12411
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 10 Church Street, Kingston, NY, 12411 in Kingston. Priced at $329,900, it generates $3,002/mo in gross rent and $799/mo in net monthly cash flow, a 10.92% yield that comfortably supports the 2.02 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,593. Five-year appreciation: $91,145. Equity from principal paydown: $3,038/yr. Total projected cumulative return: $177,247.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.2% |
| Monthly Cash Flow | $799 | $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 | $3,002 |
| Total Monthly Debt Service | $2,072 |
| DSCR Ratio | 1.45x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Multi Family
Built in 1958
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12411, Bloomington, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 176 (100%) |
| Owner Occupied HU | 137 (77.8%) |
| Renter Occupied HU | 33 (18.7%) |
| Vacant Housing Units | 6 ( 3.4%) |
| Median Home Value | $390,385 |
| Average Home Value | $557,299 |
Housing Distribution
Address Breakdown
Residential
182
Single Family
182
Multi-Family
0
Businesses
11
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
Multi Family
Built in 1958
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12411, Bloomington, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 176 (100%) |
| Owner Occupied HU | 137 (77.8%) |
| Renter Occupied HU | 33 (18.7%) |
| Vacant Housing Units | 6 ( 3.4%) |
| Median Home Value | $390,385 |
| Average Home Value | $557,299 |
Housing Distribution
Address Breakdown
Residential
182
Single Family
182
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices