217 Overocker RoadPoughkeepsieNY12603
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 217 Overocker Road, Poughkeepsie, NY, 12603 in Poughkeepsie earns a 9.18% gross yield at $265,950. Rent of $2,035/mo nets $259/mo after the $1,196/mo mortgage. The 1.70 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $73,477 and $2,449/yr in equity accumulation project a total cumulative return of $118,075.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.1% |
| Monthly Cash Flow | $259 | $850 |
City averages based on Poughkeepsie market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,035 |
| Total Monthly Debt Service | $1,670 |
| DSCR Ratio | 1.22x |
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 1930
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12603, Poughkeepsie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,810 (100%) |
| Owner Occupied HU | 12,208 (68.5%) |
| Renter Occupied HU | 4,553 (25.6%) |
| Vacant Housing Units | 1,049 ( 5.9%) |
| Median Home Value | $402,141 |
| Average Home Value | $462,567 |
Housing Distribution
Address Breakdown
Residential
17,010
Single Family
16,174
Multi-Family
836
Businesses
1,126
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 1930
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12603, Poughkeepsie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,810 (100%) |
| Owner Occupied HU | 12,208 (68.5%) |
| Renter Occupied HU | 4,553 (25.6%) |
| Vacant Housing Units | 1,049 ( 5.9%) |
| Median Home Value | $402,141 |
| Average Home Value | $462,567 |
Housing Distribution
Address Breakdown
Residential
17,010
Single Family
16,174
Multi-Family
836
Businesses
1,126
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Peter C. Persaud • HomeSmart Homes & Estates
Mls Name: OneKey MLS
Mls Provider:
Mls ID: #H6335777
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