15-17 Lower Granite RoadKerhonksonNY12446
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 15-17 Lower Granite Road, Kerhonkson, NY, 12446 in Kerhonkson. Priced at $175,000, it generates $3,120/mo in gross rent and $1,951/mo in net monthly cash flow, a 21.39% yield that comfortably supports the 3.96 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $23,417. Five-year appreciation: $48,349. Equity from principal paydown: $1,612/yr. Total projected cumulative return: $192,285.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 21.4% | 6.2% |
| Monthly Cash Flow | $1,951 | $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 | $3,120 |
| Total Monthly Debt Service | $1,099 |
| DSCR Ratio | 2.84x |
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.
Multi Family
Built in 1940
3.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12446, Kerhonkson, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,820 (100%) |
| Owner Occupied HU | 1,564 (55.5%) |
| Renter Occupied HU | 476 (16.9%) |
| Vacant Housing Units | 780 (27.7%) |
| Median Home Value | $384,211 |
| Average Home Value | $449,800 |
Housing Distribution
Address Breakdown
Residential
2,203
Single Family
2,203
Multi-Family
0
Businesses
105
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
Multi Family
Built in 1940
3.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12446, Kerhonkson, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,820 (100%) |
| Owner Occupied HU | 1,564 (55.5%) |
| Renter Occupied HU | 476 (16.9%) |
| Vacant Housing Units | 780 (27.7%) |
| Median Home Value | $384,211 |
| Average Home Value | $449,800 |
Housing Distribution
Address Breakdown
Residential
2,203
Single Family
2,203
Multi-Family
0
Businesses
105
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lynelle D Alessi • Keller Williams Hudson Valley
Mls Name: OneKey MLS
Mls ID: #897073