118 Old Shaker RoadNew LebanonNY12125
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 118 Old Shaker Road, New Lebanon, NY, 12125 in New Lebanon: $6,108/mo in rent, $1,505/mo net, 10.63% gross yield, all on a $689,365 acquisition. The 1.97 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $190,459 in value, and $6,349/yr in principal paydown steadily builds equity. Projected total cumulative return: $359,677.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.2% |
| Monthly Cash Flow | $1,505 | $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 | $6,108 |
| Total Monthly Debt Service | $4,329 |
| DSCR Ratio | 1.41x |
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 1890
21.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12125, New Lebanon, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 671 (100%) |
| Owner Occupied HU | 382 (56.9%) |
| Renter Occupied HU | 151 (22.5%) |
| Vacant Housing Units | 138 (20.6%) |
| Median Home Value | $349,425 |
| Average Home Value | $480,229 |
Housing Distribution
Address Breakdown
Residential
439
Single Family
439
Multi-Family
0
Businesses
61
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 1890
21.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12125, New Lebanon, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 671 (100%) |
| Owner Occupied HU | 382 (56.9%) |
| Renter Occupied HU | 151 (22.5%) |
| Vacant Housing Units | 138 (20.6%) |
| Median Home Value | $349,425 |
| Average Home Value | $480,229 |
Housing Distribution
Address Breakdown
Residential
439
Single Family
439
Multi-Family
0
Businesses
61
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: HVCRMLS
Mls ID: #20260924