2281 E Schodack RoadEast SchodackNY12063
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $209,900, 2281 E Schodack Road, East Schodack, NY, 12063 in East Schodack generates $1,434/mo in rent (8.2% yield) but nets only $32/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.52) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $57,992. Total projected return: $82,126.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $32 | $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 | $1,434 |
| Total Monthly Debt Service | $1,318 |
| DSCR Ratio | 1.09x |
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 1960
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12063, East Schodack, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 135 (100%) |
| Owner Occupied HU | 110 (81.5%) |
| Renter Occupied HU | 24 (17.8%) |
| Vacant Housing Units | 1 ( 0.7%) |
| Median Home Value | $337,500 |
| Average Home Value | $407,432 |
Housing Distribution
Address Breakdown
Residential
156
Single Family
156
Multi-Family
0
Businesses
65
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 1960
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12063, East Schodack, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 135 (100%) |
| Owner Occupied HU | 110 (81.5%) |
| Renter Occupied HU | 24 (17.8%) |
| Vacant Housing Units | 1 ( 0.7%) |
| Median Home Value | $337,500 |
| Average Home Value | $407,432 |
Housing Distribution
Address Breakdown
Residential
156
Single Family
156
Multi-Family
0
Businesses
65
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Edward R Brewer • Howard Hanna Capital Inc
Mls Name: Global MLS
Mls ID: #202523152