20 John Peter DrAcraNY12405
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow20 John Peter Dr, Acra, NY, 12405 in Acra earns its strong cash-flow label: 10.65% yield, $3,950/mo rent, $979/mo net income, DSCR 1.97. The $445,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $122,945 by year five. Combined with $4,098/yr in principal paydown, total projected return reaches $232,658.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $979 | $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 | $3,950 |
| Total Monthly Debt Service | $2,795 |
| DSCR Ratio | 1.41x |
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 2001
3.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12405, Acra, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 313 (100%) |
| Owner Occupied HU | 182 (58.1%) |
| Renter Occupied HU | 60 (19.2%) |
| Vacant Housing Units | 71 (22.7%) |
| Median Home Value | $265,854 |
| Average Home Value | $282,033 |
Housing Distribution
Address Breakdown
Residential
288
Single Family
288
Multi-Family
0
Businesses
11
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 2001
3.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12405, Acra, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 313 (100%) |
| Owner Occupied HU | 182 (58.1%) |
| Renter Occupied HU | 60 (19.2%) |
| Vacant Housing Units | 71 (22.7%) |
| Median Home Value | $265,854 |
| Average Home Value | $282,033 |
Housing Distribution
Address Breakdown
Residential
288
Single Family
288
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joel Craig • Coldwell Banker Village Green
Mls Name: Columbia Greene Northern Dutchess MLS
Mls Provider:
Mls ID: #156778
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.