127 & 137 W Loft RdMarylandNY12116
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 127 & 137 W Loft Rd, Maryland, NY, 12116 in Maryland is narrow, $191/mo net on $1,320/mo rent after the $760/mo debt service, but the property operates at break-even-plus, not a loss. At $169,000 with a 9.37% yield, the long-run equity case via 5% appreciation ($46,692 over five years) and $1,557/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.74 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $76,783.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $191 | $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 | $1,320 |
| Total Monthly Debt Service | $1,061 |
| 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 1955
1.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12116, Maryland, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 964 (100%) |
| Owner Occupied HU | 565 (58.6%) |
| Renter Occupied HU | 127 (13.2%) |
| Vacant Housing Units | 272 (28.2%) |
| Median Home Value | $216,737 |
| Average Home Value | $281,735 |
Housing Distribution
Address Breakdown
Residential
809
Single Family
809
Multi-Family
0
Businesses
8
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 1955
1.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12116, Maryland, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 964 (100%) |
| Owner Occupied HU | 565 (58.6%) |
| Renter Occupied HU | 127 (13.2%) |
| Vacant Housing Units | 272 (28.2%) |
| Median Home Value | $216,737 |
| Average Home Value | $281,735 |
Housing Distribution
Address Breakdown
Residential
809
Single Family
809
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John H. Turner Sr • Country Boy Realty
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #R1549839
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