158 Stewart RoadBerneNY12023
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 158 Stewart Road, Berne, NY, 12023 in Berne. Rental yield 7.5%. The 1.39 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $169,913 and $5,664/yr in principal reduction project total return of $217,526.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $(264) | $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 | $3,842 |
| Total Monthly Debt Service | $3,862 |
| DSCR Ratio | 0.99x |
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.
Single Family
Built in 2019
78.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12023, Berne, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 994 (100%) |
| Owner Occupied HU | 684 (68.8%) |
| Renter Occupied HU | 103 (10.4%) |
| Vacant Housing Units | 207 (20.8%) |
| Median Home Value | $285,841 |
| Average Home Value | $306,787 |
Housing Distribution
Address Breakdown
Residential
904
Single Family
904
Multi-Family
0
Businesses
30
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 2019
78.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12023, Berne, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 994 (100%) |
| Owner Occupied HU | 684 (68.8%) |
| Renter Occupied HU | 103 (10.4%) |
| Vacant Housing Units | 207 (20.8%) |
| Median Home Value | $285,841 |
| Average Home Value | $306,787 |
Housing Distribution
Address Breakdown
Residential
904
Single Family
904
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cathy S Cooley • Howard Hanna Capital, Inc.
Mls Name: Global MLS
Mls Provider:
Mls ID: #202522736
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Judy Moriarty, Zillow, Inc., Corp. Broker