19 Gaffney LaneKinderhookNY12106
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 19 Gaffney Lane, Kinderhook, NY, 12106 in Kinderhook delivers $4,855/mo in gross rent and $348/mo in net monthly income at a $674,900 entry. The 8.63% yield and 1.60 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $186,462 over five years and $6,216/yr in equity from loan paydown, total projected return is $279,760.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $348 | $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 | $4,855 |
| Total Monthly Debt Service | $4,238 |
| DSCR Ratio | 1.15x |
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 1961
1.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12106, Kinderhook, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,169 (100%) |
| Owner Occupied HU | 907 (77.6%) |
| Renter Occupied HU | 145 (12.4%) |
| Vacant Housing Units | 117 (10.0%) |
| Median Home Value | $382,181 |
| Average Home Value | $425,028 |
Housing Distribution
Address Breakdown
Residential
777
Single Family
777
Multi-Family
0
Businesses
130
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 1961
1.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12106, Kinderhook, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,169 (100%) |
| Owner Occupied HU | 907 (77.6%) |
| Renter Occupied HU | 145 (12.4%) |
| Vacant Housing Units | 117 (10.0%) |
| Median Home Value | $382,181 |
| Average Home Value | $425,028 |
Housing Distribution
Address Breakdown
Residential
777
Single Family
777
Multi-Family
0
Businesses
130
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Castellano • Gilcrest Properties
Mls Name: HVCRMLS
Mls ID: #20254038