20 Round Mountain RoadStephentownNY12168
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 20 Round Mountain Road, Stephentown, NY, 12168 in Stephentown is straightforward: $383,000 in, $3,170/mo in rent, $613/mo out after debt service. The 9.93% gross yield and 1.75 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $105,816 by year five. With $3,211/yr in principal equity, the total cumulative return is projected at $178,228.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $613 | $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 | $3,170 |
| Total Monthly Debt Service | $2,499 |
| DSCR Ratio | 1.27x |
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 1988
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12168, Stephentown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 968 (100%) |
| Owner Occupied HU | 622 (64.3%) |
| Renter Occupied HU | 155 (16.0%) |
| Vacant Housing Units | 191 (19.7%) |
| Median Home Value | $293,548 |
| Average Home Value | $307,926 |
Housing Distribution
Address Breakdown
Residential
703
Single Family
702
Multi-Family
1
Businesses
40
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: Jacqueline D Geraci • Kellie Kieley Realty LLC
Mls Name: Global MLS
Mls Provider:
Mls ID: #202629587
