22 N Maple AvenueLoch SheldrakeNY12759
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 22 N Maple Avenue, Loch Sheldrake, NY, 12759 in Loch Sheldrake at $199,000 earns $1,440/mo in rent and nets $111/mo after the $895/mo payment, a 8.68% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $54,980 over five years. Ziffy Mortgage underwrites this on a 1.61 DSCR without U.S. credit history. With $1,833/yr in principal paydown, total projected return reaches $83,070.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $111 | $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 | $1,440 |
| Total Monthly Debt Service | $1,250 |
| DSCR Ratio | 1.15x |
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 1935
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12759, Loch Sheldrake, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,189 (100%) |
| Owner Occupied HU | 252 (21.2%) |
| Renter Occupied HU | 234 (19.7%) |
| Vacant Housing Units | 703 (59.1%) |
| Median Home Value | $289,344 |
| Average Home Value | $293,532 |
Housing Distribution
Address Breakdown
Residential
711
Single Family
407
Multi-Family
304
Businesses
60
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 1935
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12759, Loch Sheldrake, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,189 (100%) |
| Owner Occupied HU | 252 (21.2%) |
| Renter Occupied HU | 234 (19.7%) |
| Vacant Housing Units | 703 (59.1%) |
| Median Home Value | $289,344 |
| Average Home Value | $293,532 |
Housing Distribution
Address Breakdown
Residential
711
Single Family
407
Multi-Family
304
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices