23 Thomas RoadComstockNY12821
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 23 Thomas Road, Comstock, NY, 12821 in Comstock is straightforward: $299,900 in, $2,477/mo in rent, $474/mo out after debt service. The 9.91% gross yield and 1.84 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $82,857 by year five. With $2,762/yr in principal equity, the total cumulative return is projected at $144,883.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $474 | $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 | $2,477 |
| Total Monthly Debt Service | $1,883 |
| DSCR Ratio | 1.32x |
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 1985
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12821, Comstock, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 142 (100%) |
| Owner Occupied HU | 103 (72.5%) |
| Renter Occupied HU | 14 ( 9.9%) |
| Vacant Housing Units | 25 (17.6%) |
| Median Home Value | $275,000 |
| Average Home Value | $270,728 |
Housing Distribution
Address Breakdown
Residential
106
Single Family
106
Multi-Family
0
Businesses
4
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 1985
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12821, Comstock, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 142 (100%) |
| Owner Occupied HU | 103 (72.5%) |
| Renter Occupied HU | 14 ( 9.9%) |
| Vacant Housing Units | 25 (17.6%) |
| Median Home Value | $275,000 |
| Average Home Value | $270,728 |
Housing Distribution
Address Breakdown
Residential
106
Single Family
106
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
