144 Decker RoadGlen SpeyNY12737
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 144 Decker Road, Glen Spey, NY, 12737 in Glen Spey speaks for itself: 10.09% gross on a $399,500 price, generating $3,360/mo in rent and $692/mo in net income after the $1,796/mo debt service. DSCR 1.87, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,307 stacks alongside $110,374 in projected five-year appreciation and $3,679/yr in principal reduction. Projected total cumulative return: $196,921.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $692 | $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 | $3,360 |
| Total Monthly Debt Service | $2,509 |
| DSCR Ratio | 1.34x |
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 1975
7.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12737, Glen Spey, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,238 (100%) |
| Owner Occupied HU | 654 (52.8%) |
| Renter Occupied HU | 108 ( 8.7%) |
| Vacant Housing Units | 476 (38.4%) |
| Median Home Value | $341,699 |
| Average Home Value | $379,190 |
Housing Distribution
Address Breakdown
Residential
731
Single Family
697
Multi-Family
34
Businesses
43
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 1975
7.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12737, Glen Spey, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,238 (100%) |
| Owner Occupied HU | 654 (52.8%) |
| Renter Occupied HU | 108 ( 8.7%) |
| Vacant Housing Units | 476 (38.4%) |
| Median Home Value | $341,699 |
| Average Home Value | $379,190 |
Housing Distribution
Address Breakdown
Residential
731
Single Family
697
Multi-Family
34
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices