20 Mary Lou LaneShokanNY12481
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 20 Mary Lou Lane, Shokan, NY, 12481 in Shokan: $3,557/mo in rent, $296/mo in net income, 8.68% gross yield, 1.48 DSCR, all at $535,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $147,811 in appreciation and $4,927/yr in principal paydown projects total cumulative return of $202,968.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $296 | $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 | $3,557 |
| Total Monthly Debt Service | $3,360 |
| DSCR Ratio | 1.06x |
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 1973
0.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12481, Shokan, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 729 (100%) |
| Owner Occupied HU | 463 (63.5%) |
| Renter Occupied HU | 120 (16.5%) |
| Vacant Housing Units | 146 (20.0%) |
| Median Home Value | $405,769 |
| Average Home Value | $427,748 |
Housing Distribution
Address Breakdown
Residential
553
Single Family
553
Multi-Family
0
Businesses
63
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 1973
0.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12481, Shokan, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 729 (100%) |
| Owner Occupied HU | 463 (63.5%) |
| Renter Occupied HU | 120 (16.5%) |
| Vacant Housing Units | 146 (20.0%) |
| Median Home Value | $405,769 |
| Average Home Value | $427,748 |
Housing Distribution
Address Breakdown
Residential
553
Single Family
553
Multi-Family
0
Businesses
63
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Benjamin Armento • Coldwell Banker Village Green
Mls Name: HVCRMLS
Mls Provider:
Mls ID: #20250293
Disclaimer: IDX information 2025 by the Hudson Valley Catskill Region MLS. All Rights Reserved. The data relating to real estate on this website comes in part from the IDX of the Hudson Valley Catskill Region MLS. Information is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.