173 Massachusetts AveCongersNY10920
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 173 Massachusetts Ave, Congers, NY, 10920 in Congers speaks for itself: 10.69% gross on a $646,800 price, generating $5,760/mo in rent and $1,441/mo in net income after the $2,908/mo debt service. DSCR 1.98, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $17,289 stacks alongside $178,699 in projected five-year appreciation and $5,957/yr in principal reduction. Projected total cumulative return: $339,388.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $1,441 | $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 | $5,760 |
| Total Monthly Debt Service | $4,062 |
| DSCR Ratio | 1.42x |
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 1960
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10920, Congers, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,081 (100%) |
| Owner Occupied HU | 2,494 (80.9%) |
| Renter Occupied HU | 459 (14.9%) |
| Vacant Housing Units | 128 ( 4.2%) |
| Median Home Value | $632,246 |
| Average Home Value | $666,400 |
Housing Distribution
Address Breakdown
Residential
2,917
Single Family
2,869
Multi-Family
48
Businesses
401
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 1960
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10920, Congers, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,081 (100%) |
| Owner Occupied HU | 2,494 (80.9%) |
| Renter Occupied HU | 459 (14.9%) |
| Vacant Housing Units | 128 ( 4.2%) |
| Median Home Value | $632,246 |
| Average Home Value | $666,400 |
Housing Distribution
Address Breakdown
Residential
2,917
Single Family
2,869
Multi-Family
48
Businesses
401
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices