11 Halfmoon DriveWaterfordNY12188
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow11 Halfmoon Drive, Waterford, NY, 12188 in Waterford earns its strong cash-flow label: 11.95% yield, $2,587/mo rent, $852/mo net income, DSCR 2.21. The $259,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $71,806 by year five. Combined with $2,394/yr in principal paydown, total projected return reaches $153,900.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.2% |
| Monthly Cash Flow | $852 | $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 | $2,587 |
| Total Monthly Debt Service | $1,632 |
| DSCR Ratio | 1.59x |
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 1900
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12188, Waterford, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,268 (100%) |
| Owner Occupied HU | 3,106 (59.0%) |
| Renter Occupied HU | 1,772 (33.6%) |
| Vacant Housing Units | 390 ( 7.4%) |
| Median Home Value | $357,692 |
| Average Home Value | $420,285 |
Housing Distribution
Address Breakdown
Residential
4,915
Single Family
4,644
Multi-Family
271
Businesses
199
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 1900
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12188, Waterford, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,268 (100%) |
| Owner Occupied HU | 3,106 (59.0%) |
| Renter Occupied HU | 1,772 (33.6%) |
| Vacant Housing Units | 390 ( 7.4%) |
| Median Home Value | $357,692 |
| Average Home Value | $420,285 |
Housing Distribution
Address Breakdown
Residential
4,915
Single Family
4,644
Multi-Family
271
Businesses
199
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices