20 Division StreetNelsonvilleNY10516
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 20 Division Street, Nelsonville, NY, 10516 in Nelsonville speaks for itself: 10.46% gross on a $950,000 price, generating $8,280/mo in rent and $1,936/mo in net income after the $4,503/mo debt service. DSCR 1.84, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $23,233 stacks alongside $262,467 in projected five-year appreciation and $7,964/yr in principal reduction. Projected total cumulative return: $468,981.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $1,936 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $8,280 |
| Total Monthly Debt Service | $6,198 |
| DSCR Ratio | 1.34x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1790
4,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10516, Cold Spring, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,627 (100%) |
| Owner Occupied HU | 1,782 (67.8%) |
| Renter Occupied HU | 568 (21.6%) |
| Vacant Housing Units | 277 (10.5%) |
| Median Home Value | $635,809 |
| Average Home Value | $690,983 |
Housing Distribution
Address Breakdown
Residential
2,407
Single Family
2,350
Multi-Family
57
Businesses
341
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: OneKey MLS as distributed by MLS GRID
Mls Provider:
Mls ID: #1045792
