159 Mountain Pond View RoadGilboaNY12076
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow159 Mountain Pond View Road, Gilboa, NY, 12076 in Gilboa earns its strong cash-flow label: 11.7% yield, $2,438/mo rent, $769/mo net income, DSCR 2.17. The $250,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $69,070 by year five. Combined with $2,303/yr in principal paydown, total projected return reaches $144,841.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.2% |
| Monthly Cash Flow | $769 | $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 | $2,438 |
| Total Monthly Debt Service | $1,570 |
| DSCR Ratio | 1.55x |
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.
Manufactured
Built in 2003
3.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12076, Gilboa, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,314 (100%) |
| Owner Occupied HU | 539 (41.0%) |
| Renter Occupied HU | 55 ( 4.2%) |
| Vacant Housing Units | 720 (54.8%) |
| Median Home Value | $243,952 |
| Average Home Value | $264,147 |
Housing Distribution
Address Breakdown
Residential
739
Single Family
739
Multi-Family
0
Businesses
29
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
Manufactured
Built in 2003
3.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12076, Gilboa, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,314 (100%) |
| Owner Occupied HU | 539 (41.0%) |
| Renter Occupied HU | 55 ( 4.2%) |
| Vacant Housing Units | 720 (54.8%) |
| Median Home Value | $243,952 |
| Average Home Value | $264,147 |
Housing Distribution
Address Breakdown
Residential
739
Single Family
739
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices