164 River StreetMiddleburghNY12122
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 164 River Street, Middleburgh, NY, 12122 in Middleburgh: $8,254/mo in rent, $3,613/mo net, 14.25% gross yield, all on a $695,000 acquisition. The 2.64 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $192,016 in value, and $6,401/yr in principal paydown steadily builds equity. Projected total cumulative return: $497,524.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 14.3% | 6.2% |
| Monthly Cash Flow | $3,613 | $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 | $8,254 |
| Total Monthly Debt Service | $4,365 |
| DSCR Ratio | 1.89x |
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 1850
2.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12122, Middleburgh, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,465 (100%) |
| Owner Occupied HU | 1,395 (56.6%) |
| Renter Occupied HU | 388 (15.7%) |
| Vacant Housing Units | 682 (27.7%) |
| Median Home Value | $222,361 |
| Average Home Value | $265,799 |
Housing Distribution
Address Breakdown
Residential
1,607
Single Family
1,607
Multi-Family
0
Businesses
103
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 1850
2.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12122, Middleburgh, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,465 (100%) |
| Owner Occupied HU | 1,395 (56.6%) |
| Renter Occupied HU | 388 (15.7%) |
| Vacant Housing Units | 682 (27.7%) |
| Median Home Value | $222,361 |
| Average Home Value | $265,799 |
Housing Distribution
Address Breakdown
Residential
1,607
Single Family
1,607
Multi-Family
0
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices