1068 County Route 56Mountain DaleNY12763
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 1068 County Route 56, Mountain Dale, NY, 12763 in Mountain Dale earns a 8.65% gross yield at $479,900. Rent of $3,458/mo nets $254/mo after the $2,158/mo mortgage. The 1.60 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $132,588 and $4,420/yr in equity accumulation project a total cumulative return of $199,323.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $254 | $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 | $3,458 |
| Total Monthly Debt Service | $3,014 |
| DSCR Ratio | 1.15x |
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.
Single Family
Built in 1933
11.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12763, Mountain Dale, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 755 (100%) |
| Owner Occupied HU | 266 (35.2%) |
| Renter Occupied HU | 130 (17.2%) |
| Vacant Housing Units | 359 (47.5%) |
| Median Home Value | $261,688 |
| Average Home Value | $249,831 |
Housing Distribution
Address Breakdown
Residential
215
Single Family
215
Multi-Family
0
Businesses
30
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
Single Family
Built in 1933
11.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12763, Mountain Dale, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 755 (100%) |
| Owner Occupied HU | 266 (35.2%) |
| Renter Occupied HU | 130 (17.2%) |
| Vacant Housing Units | 359 (47.5%) |
| Median Home Value | $261,688 |
| Average Home Value | $249,831 |
Housing Distribution
Address Breakdown
Residential
215
Single Family
215
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices