134 Cedarview LaneWatervlietNY12189
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe cash-flow margin at 134 Cedarview Lane, Watervliet, NY, 12189 in Watervliet is narrow, $86/mo net on $1,716/mo rent after the $899/mo debt service, but the property operates at break-even-plus, not a loss. At $199,900 with a 10.3% yield, the long-run equity case via 5% appreciation ($55,229 over five years) and $1,841/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.91 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $83,066.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $86 | $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 | $1,716 |
| Total Monthly Debt Service | $1,550 |
| DSCR Ratio | 1.11x |
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.
Condo
Built in 1998
435.60 sqft lot
$N/A/sqft
$295 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12189, Watervliet, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,790 (100%) |
| Owner Occupied HU | 3,430 (35.0%) |
| Renter Occupied HU | 5,471 (55.9%) |
| Vacant Housing Units | 889 ( 9.1%) |
| Median Home Value | $277,740 |
| Average Home Value | $341,647 |
Housing Distribution
Address Breakdown
Residential
8,859
Single Family
6,838
Multi-Family
2,021
Businesses
330
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 1998
435.60 sqft lot
$N/A/sqft
$295 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12189, Watervliet, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,790 (100%) |
| Owner Occupied HU | 3,430 (35.0%) |
| Renter Occupied HU | 5,471 (55.9%) |
| Vacant Housing Units | 889 ( 9.1%) |
| Median Home Value | $277,740 |
| Average Home Value | $341,647 |
Housing Distribution
Address Breakdown
Residential
8,859
Single Family
6,838
Multi-Family
2,021
Businesses
330
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices