150 Dubois RdHammondNY13646
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 150 Dubois Rd, Hammond, NY, 13646 in Hammond worth study. Rental yield 3.2%. The 3.2% gross yield is below cash-flow benchmarks at $450,000, but 5% annual appreciation, adding $124,327 over five years, frames this as a capital growth position. Rent of $1,200/mo partially offsets the $2,023/mo payment. Ziffy Mortgage finances appreciation-play properties (0.59 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $55,476.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 6.2% |
| Monthly Cash Flow | $(1,805) | $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 | $1,200 |
| Total Monthly Debt Service | $2,826 |
| DSCR Ratio | 0.42x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1988
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13646, Hammond, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,683 (100%) |
| Owner Occupied HU | 852 (31.8%) |
| Renter Occupied HU | 187 ( 7.0%) |
| Vacant Housing Units | 1,644 (61.3%) |
| Median Home Value | $167,500 |
| Average Home Value | $236,849 |
Housing Distribution
Address Breakdown
Residential
1,153
Single Family
1,141
Multi-Family
12
Businesses
36
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 1988
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13646, Hammond, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,683 (100%) |
| Owner Occupied HU | 852 (31.8%) |
| Renter Occupied HU | 187 ( 7.0%) |
| Vacant Housing Units | 1,644 (61.3%) |
| Median Home Value | $167,500 |
| Average Home Value | $236,849 |
Housing Distribution
Address Breakdown
Residential
1,153
Single Family
1,141
Multi-Family
12
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices