212 N Smith RoadLagrangevilleNY12540
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 212 N Smith Road, Lagrangeville, NY, 12540 in Lagrangeville: $11,700/mo in rent, $8,034/mo net, 25.57% gross yield, all on a $549,000 acquisition. The 4.74 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $151,679 in value, and $5,056/yr in principal paydown steadily builds equity. Projected total cumulative return: $726,277.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 25.6% | 6.2% |
| Monthly Cash Flow | $8,034 | $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 | $11,700 |
| Total Monthly Debt Service | $3,448 |
| DSCR Ratio | 3.39x |
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.
Multi Family
Built in 1970
4.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12540, Lagrangeville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,869 (100%) |
| Owner Occupied HU | 2,386 (83.2%) |
| Renter Occupied HU | 313 (10.9%) |
| Vacant Housing Units | 170 ( 5.9%) |
| Median Home Value | $563,462 |
| Average Home Value | $595,583 |
Housing Distribution
Address Breakdown
Residential
2,796
Single Family
2,770
Multi-Family
26
Businesses
304
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
Multi Family
Built in 1970
4.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12540, Lagrangeville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,869 (100%) |
| Owner Occupied HU | 2,386 (83.2%) |
| Renter Occupied HU | 313 (10.9%) |
| Vacant Housing Units | 170 ( 5.9%) |
| Median Home Value | $563,462 |
| Average Home Value | $595,583 |
Housing Distribution
Address Breakdown
Residential
2,796
Single Family
2,770
Multi-Family
26
Businesses
304
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices