15 Stirrup TrailPawlingNY12564
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 15 Stirrup Trail, Pawling, NY, 12564 in Pawling deserves attention. This $719,000 property earns $6,775/mo in rent, a 11.31% gross yield, and nets $1,590/mo after the $3,233/mo payment. DSCR 2.10 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $198,646 compounds alongside $6,622/yr in yearly equity build, for a total cumulative return of $378,133.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.2% |
| Monthly Cash Flow | $1,590 | $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 | $6,775 |
| Total Monthly Debt Service | $4,899 |
| DSCR Ratio | 1.38x |
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 1993
0.66 Acres lot
$N/A/sqft
$384 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12564, Pawling, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,185 (100%) |
| Owner Occupied HU | 2,073 (65.1%) |
| Renter Occupied HU | 820 (25.7%) |
| Vacant Housing Units | 292 ( 9.2%) |
| Median Home Value | $475,242 |
| Average Home Value | $567,982 |
Housing Distribution
Address Breakdown
Residential
2,954
Single Family
2,680
Multi-Family
274
Businesses
334
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 1993
0.66 Acres lot
$N/A/sqft
$384 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12564, Pawling, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,185 (100%) |
| Owner Occupied HU | 2,073 (65.1%) |
| Renter Occupied HU | 820 (25.7%) |
| Vacant Housing Units | 292 ( 9.2%) |
| Median Home Value | $475,242 |
| Average Home Value | $567,982 |
Housing Distribution
Address Breakdown
Residential
2,954
Single Family
2,680
Multi-Family
274
Businesses
334
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices