126 Hudson Pointe DrivePoughkeepsieNY12601
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 126 Hudson Pointe Drive, Poughkeepsie, NY, 12601 in Poughkeepsie. Rental yield 3.88%. At $675,000 with 3.88% gross yield, current distributions are modest, but the 5% appreciation rate projects $186,490 in new equity by year five, complemented by $6,217/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.72) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $107,652.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 6.1% |
| Monthly Cash Flow | $(3,042) | $850 |
City averages based on Poughkeepsie market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,180 |
| Total Monthly Debt Service | $4,239 |
| DSCR Ratio | 0.51x |
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.
Condo
Built in 2007
436 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12601, Poughkeepsie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,560 (100%) |
| Owner Occupied HU | 7,008 (35.8%) |
| Renter Occupied HU | 10,656 (54.5%) |
| Vacant Housing Units | 1,896 ( 9.7%) |
| Median Home Value | $327,755 |
| Average Home Value | $381,114 |
Housing Distribution
Address Breakdown
Residential
16,047
Single Family
11,477
Multi-Family
4,570
Businesses
1,666
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
Condo
Built in 2007
436 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12601, Poughkeepsie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,560 (100%) |
| Owner Occupied HU | 7,008 (35.8%) |
| Renter Occupied HU | 10,656 (54.5%) |
| Vacant Housing Units | 1,896 ( 9.7%) |
| Median Home Value | $327,755 |
| Average Home Value | $381,114 |
Housing Distribution
Address Breakdown
Residential
16,047
Single Family
11,477
Multi-Family
4,570
Businesses
1,666
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: OneKey MLS as distributed by MLS GRID
Mls ID: #981824