12810 State Route 38BerkshireNY13736
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 12810 State Route 38, Berkshire, NY, 13736 in Berkshire fits: $338,500, 0% gross yield, and a projected 5% annual appreciation rate adding $93,521 in value within five years. Rental yield 0%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.00) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 6.2% |
| Monthly Cash Flow | $0 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
Single Family
Built in 1860
8.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13736, Berkshire, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,051 (100%) |
| Owner Occupied HU | 769 (73.2%) |
| Renter Occupied HU | 152 (14.5%) |
| Vacant Housing Units | 130 (12.4%) |
| Median Home Value | $169,420 |
| Average Home Value | $198,166 |
Housing Distribution
Address Breakdown
Residential
1,004
Single Family
1,004
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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 1860
8.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13736, Berkshire, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,051 (100%) |
| Owner Occupied HU | 769 (73.2%) |
| Renter Occupied HU | 152 (14.5%) |
| Vacant Housing Units | 130 (12.4%) |
| Median Home Value | $169,420 |
| Average Home Value | $198,166 |
Housing Distribution
Address Breakdown
Residential
1,004
Single Family
1,004
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
Listed by: Karen Hollands • Howard Hanna S Tier Inc
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #R1601120
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