1231 Sutton RoadDurhamNY12422
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 1231 Sutton Road, Durham, NY, 12422 in Durham is straightforward: $189,000 in, $1,473/mo in rent, $211/mo out after debt service. The 9.35% gross yield and 1.73 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $52,217 by year five. With $1,741/yr in principal equity, the total cumulative return is projected at $85,631.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $211 | $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 | $1,473 |
| Total Monthly Debt Service | $1,187 |
| DSCR Ratio | 1.24x |
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 1976
3.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12422, Durham, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 176 (100%) |
| Owner Occupied HU | 91 (51.7%) |
| Renter Occupied HU | 12 ( 6.8%) |
| Vacant Housing Units | 73 (41.5%) |
| Median Home Value | $373,810 |
| Average Home Value | $412,335 |
Housing Distribution
Address Breakdown
Residential
127
Single Family
127
Multi-Family
0
Businesses
6
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 1976
3.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12422, Durham, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 176 (100%) |
| Owner Occupied HU | 91 (51.7%) |
| Renter Occupied HU | 12 ( 6.8%) |
| Vacant Housing Units | 73 (41.5%) |
| Median Home Value | $373,810 |
| Average Home Value | $412,335 |
Housing Distribution
Address Breakdown
Residential
127
Single Family
127
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tammy Molinski • Coldwell Banker Advisor Realty
Mls Name: HVCRMLS
Mls Provider:
Mls ID: #20253585
Disclaimer: IDX information 2025 by the Hudson Valley Catskill Region MLS. All Rights Reserved. The data relating to real estate on this website comes in part from the IDX of the Hudson Valley Catskill Region MLS. Information is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.