123 Heritage Hills #ASomersNY10589
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 123 Heritage Hills #A, Somers, NY, 10589 in Somers deserves attention. This $575,000 property earns $5,341/mo in rent, a 11.15% gross yield, and nets $862/mo after the $2,586/mo payment. DSCR 2.07 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $158,862 compounds alongside $5,296/yr in yearly equity build, for a total cumulative return of $277,507.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.2% |
| Monthly Cash Flow | $862 | $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 | $5,341 |
| Total Monthly Debt Service | $4,250 |
| DSCR Ratio | 1.26x |
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.
Townhouse
Built in 1976
N/A lot
$N/A/sqft
$639 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10589, Somers, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,434 (100%) |
| Owner Occupied HU | 3,590 (81.0%) |
| Renter Occupied HU | 457 (10.3%) |
| Vacant Housing Units | 387 ( 8.7%) |
| Median Home Value | $613,996 |
| Average Home Value | $644,221 |
Housing Distribution
Address Breakdown
Residential
3,905
Single Family
3,905
Multi-Family
0
Businesses
305
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
Townhouse
Built in 1976
N/A lot
$N/A/sqft
$639 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10589, Somers, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,434 (100%) |
| Owner Occupied HU | 3,590 (81.0%) |
| Renter Occupied HU | 457 (10.3%) |
| Vacant Housing Units | 387 ( 8.7%) |
| Median Home Value | $613,996 |
| Average Home Value | $644,221 |
Housing Distribution
Address Breakdown
Residential
3,905
Single Family
3,905
Multi-Family
0
Businesses
305
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices