171 Lower RdWesttownNY10998
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 171 Lower Rd, Westtown, NY, 10998 in Westtown. Rental yield 2.62%. At $1,550,000 with 2.62% gross yield, current distributions are modest, but the 5% appreciation rate projects $428,236 in new equity by year five, complemented by $14,276/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.49) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $142,572.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.2% |
| Monthly Cash Flow | $(6,969) | $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 | $3,382 |
| Total Monthly Debt Service | $9,734 |
| DSCR Ratio | 0.35x |
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 1900
275.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10998, Westtown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,340 (100%) |
| Owner Occupied HU | 1,078 (80.4%) |
| Renter Occupied HU | 204 (15.2%) |
| Vacant Housing Units | 58 ( 4.3%) |
| Median Home Value | $457,768 |
| Average Home Value | $475,436 |
Housing Distribution
Address Breakdown
Residential
1,169
Single Family
1,169
Multi-Family
0
Businesses
53
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 1900
275.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10998, Westtown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,340 (100%) |
| Owner Occupied HU | 1,078 (80.4%) |
| Renter Occupied HU | 204 (15.2%) |
| Vacant Housing Units | 58 ( 4.3%) |
| Median Home Value | $457,768 |
| Average Home Value | $475,436 |
Housing Distribution
Address Breakdown
Residential
1,169
Single Family
1,169
Multi-Family
0
Businesses
53
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices