118 Bennett RdNapanochNY12458
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 118 Bennett Rd, Napanoch, NY, 12458 in Napanoch fits: $959,000, 4.3% gross yield, and a projected 5% annual appreciation rate adding $264,954 in value within five years. Rental yield 4.3%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.80) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,832/yr in principal paydown and $264,954 in appreciation project a total return of $174,571.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.2% |
| Monthly Cash Flow | $(2,970) | $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 | $3,434 |
| Total Monthly Debt Service | $6,022 |
| DSCR Ratio | 0.57x |
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.
Single Family
Built in 1982
28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12458, Napanoch, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,193 (100%) |
| Owner Occupied HU | 698 (58.5%) |
| Renter Occupied HU | 223 (18.7%) |
| Vacant Housing Units | 272 (22.8%) |
| Median Home Value | $222,093 |
| Average Home Value | $333,338 |
Housing Distribution
Address Breakdown
Residential
849
Single Family
849
Multi-Family
0
Businesses
45
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 1982
28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12458, Napanoch, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,193 (100%) |
| Owner Occupied HU | 698 (58.5%) |
| Renter Occupied HU | 223 (18.7%) |
| Vacant Housing Units | 272 (22.8%) |
| Median Home Value | $222,093 |
| Average Home Value | $333,338 |
Housing Distribution
Address Breakdown
Residential
849
Single Family
849
Multi-Family
0
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices