19 Emerson TerLloydNY12528
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Lloyd rentals match the income profile of 19 Emerson Ter, Lloyd, NY, 12528. Listed at $562,200, gross rent is $4,854/mo and net cash flow is $1,100/mo, a 10.36% yield well above national averages. DSCR 1.92 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $155,325 by year five with $5,178/yr in annual principal reduction, projecting $285,172 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.2% |
| Monthly Cash Flow | $1,100 | $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 | $4,854 |
| Total Monthly Debt Service | $3,531 |
| DSCR Ratio | 1.37x |
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 2021
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12528, Highland, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,250 (100%) |
| Owner Occupied HU | 3,785 (60.6%) |
| Renter Occupied HU | 1,968 (31.5%) |
| Vacant Housing Units | 497 ( 8.0%) |
| Median Home Value | $415,318 |
| Average Home Value | $438,996 |
Housing Distribution
Address Breakdown
Residential
5,711
Single Family
5,431
Multi-Family
280
Businesses
436
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 2021
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12528, Highland, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,250 (100%) |
| Owner Occupied HU | 3,785 (60.6%) |
| Renter Occupied HU | 1,968 (31.5%) |
| Vacant Housing Units | 497 ( 8.0%) |
| Median Home Value | $415,318 |
| Average Home Value | $438,996 |
Housing Distribution
Address Breakdown
Residential
5,711
Single Family
5,431
Multi-Family
280
Businesses
436
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices