145 Viewmont RoadGermantownNY12526
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 145 Viewmont Road, Germantown, NY, 12526 in Germantown deserves attention. This $515,000 property earns $4,919/mo in rent, a 11.46% gross yield, and nets $1,480/mo after the $2,441/mo payment. DSCR 2.02 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $142,285 compounds alongside $4,317/yr in yearly equity build, for a total cumulative return of $281,959.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.2% |
| Monthly Cash Flow | $1,480 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $4,919 |
| Total Monthly Debt Service | $3,360 |
| DSCR Ratio | 1.46x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1993
4.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12526, Germantown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,961 (100%) |
| Owner Occupied HU | 1,233 (62.9%) |
| Renter Occupied HU | 400 (20.4%) |
| Vacant Housing Units | 328 (16.7%) |
| Median Home Value | $471,888 |
| Average Home Value | $534,818 |
Housing Distribution
Address Breakdown
Residential
1,609
Single Family
1,560
Multi-Family
49
Businesses
101
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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
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Listed by: N/A • N/A
Mls Name: HVCRMLS
Mls Provider:
Mls ID: #20265535
