185 Jim Stephenson RoadJeffersonvilleNY12748
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 185 Jim Stephenson Road, Jeffersonville, NY, 12748 in Jeffersonville deserves attention. This $184,900 property earns $2,618/mo in rent, a 16.99% gross yield, and nets $1,384/mo after the $831/mo payment. DSCR 3.15 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $51,084 compounds alongside $1,703/yr in yearly equity build, for a total cumulative return of $159,584.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 17% | 6.2% |
| Monthly Cash Flow | $1,384 | $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 | $2,618 |
| Total Monthly Debt Service | $1,161 |
| DSCR Ratio | 2.25x |
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 1970
6.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12748, Jeffersonville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,179 (100%) |
| Owner Occupied HU | 693 (58.8%) |
| Renter Occupied HU | 175 (14.8%) |
| Vacant Housing Units | 311 (26.4%) |
| Median Home Value | $378,571 |
| Average Home Value | $465,877 |
Housing Distribution
Address Breakdown
Residential
613
Single Family
613
Multi-Family
0
Businesses
107
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 1970
6.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12748, Jeffersonville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,179 (100%) |
| Owner Occupied HU | 693 (58.8%) |
| Renter Occupied HU | 175 (14.8%) |
| Vacant Housing Units | 311 (26.4%) |
| Median Home Value | $378,571 |
| Average Home Value | $465,877 |
Housing Distribution
Address Breakdown
Residential
613
Single Family
613
Multi-Family
0
Businesses
107
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices