108 Hilltop RoadArdsleyNY10502
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 108 Hilltop Road, Ardsley, NY, 10502 in Ardsley deserves attention. This $749,000 property earns $9,340/mo in rent, a 14.96% gross yield, and nets $4,338/mo after the $3,368/mo payment. DSCR 2.77 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $206,935 compounds alongside $6,898/yr in yearly equity build, for a total cumulative return of $564,792.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 15% | 6.2% |
| Monthly Cash Flow | $4,338 | $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 | $9,340 |
| Total Monthly Debt Service | $4,704 |
| DSCR Ratio | 1.99x |
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 1952
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10502, Ardsley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,255 (100%) |
| Owner Occupied HU | 1,850 (82.0%) |
| Renter Occupied HU | 311 (13.8%) |
| Vacant Housing Units | 94 ( 4.2%) |
| Median Home Value | $855,758 |
| Average Home Value | $929,900 |
Housing Distribution
Address Breakdown
Residential
2,074
Single Family
1,810
Multi-Family
264
Businesses
281
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 1952
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10502, Ardsley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,255 (100%) |
| Owner Occupied HU | 1,850 (82.0%) |
| Renter Occupied HU | 311 (13.8%) |
| Vacant Housing Units | 94 ( 4.2%) |
| Median Home Value | $855,758 |
| Average Home Value | $929,900 |
Housing Distribution
Address Breakdown
Residential
2,074
Single Family
1,810
Multi-Family
264
Businesses
281
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices