20 Hover RoadClaverackNY12513
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Claverack rentals match the income profile of 20 Hover Road, Claverack, NY, 12513. Listed at $425,000, gross rent is $3,740/mo and net cash flow is $902/mo, a 10.56% yield well above national averages. DSCR 1.96 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $117,420 by year five with $3,914/yr in annual principal reduction, projecting $220,151 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.2% |
| Monthly Cash Flow | $902 | $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 | $3,740 |
| Total Monthly Debt Service | $2,669 |
| DSCR Ratio | 1.40x |
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 1972
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12513, Claverack, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 299 (100%) |
| Owner Occupied HU | 218 (72.9%) |
| Renter Occupied HU | 32 (10.7%) |
| Vacant Housing Units | 49 (16.4%) |
| Median Home Value | $351,724 |
| Average Home Value | $551,755 |
Housing Distribution
Address Breakdown
Residential
175
Single Family
175
Multi-Family
0
Businesses
83
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 1972
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12513, Claverack, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 299 (100%) |
| Owner Occupied HU | 218 (72.9%) |
| Renter Occupied HU | 32 (10.7%) |
| Vacant Housing Units | 49 (16.4%) |
| Median Home Value | $351,724 |
| Average Home Value | $551,755 |
Housing Distribution
Address Breakdown
Residential
175
Single Family
175
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices