241 W Mt Airy RoadCroton On HudsonNY10520
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 241 W Mt Airy Road, Croton On Hudson, NY, 10520 in Croton On Hudson the bet is firmly on appreciation. Rental yield 3.8%. The 3.8% gross yield on a $1,100,000 price is below income-first thresholds, but 5%/yr value growth projects $303,910 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.70) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $170,723.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.2% |
| Monthly Cash Flow | $(3,866) | $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 | $3,480 |
| Total Monthly Debt Service | $6,908 |
| DSCR Ratio | 0.50x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
2.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10520, Croton On Hudson, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,509 (100%) |
| Owner Occupied HU | 3,394 (61.6%) |
| Renter Occupied HU | 1,812 (32.9%) |
| Vacant Housing Units | 303 ( 5.5%) |
| Median Home Value | $713,396 |
| Average Home Value | $756,221 |
Housing Distribution
Address Breakdown
Residential
5,252
Single Family
4,560
Multi-Family
692
Businesses
398
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
2.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10520, Croton On Hudson, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,509 (100%) |
| Owner Occupied HU | 3,394 (61.6%) |
| Renter Occupied HU | 1,812 (32.9%) |
| Vacant Housing Units | 303 ( 5.5%) |
| Median Home Value | $713,396 |
| Average Home Value | $756,221 |
Housing Distribution
Address Breakdown
Residential
5,252
Single Family
4,560
Multi-Family
692
Businesses
398
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: OneKey MLS as distributed by MLS GRID
Mls ID: #977883