25 E Mountain Road SCold SpringNY10516
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 25 E Mountain Road S, Cold Spring, NY, 10516 in Cold Spring offers a clean, manageable entry. Rental yield 6.63%. DSCR 1.23 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $187,871 in additional property value over five years, with $6,263/yr in principal equity building ownership stake. Total projected cumulative return: $208,846.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 6.2% |
| Monthly Cash Flow | $(784) | $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 | $3,757 |
| Total Monthly Debt Service | $4,270 |
| DSCR Ratio | 0.88x |
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 1960
0.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10516, Cold Spring, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,627 (100%) |
| Owner Occupied HU | 1,782 (67.8%) |
| Renter Occupied HU | 568 (21.6%) |
| Vacant Housing Units | 277 (10.5%) |
| Median Home Value | $635,809 |
| Average Home Value | $690,983 |
Housing Distribution
Address Breakdown
Residential
2,407
Single Family
2,350
Multi-Family
57
Businesses
341
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
0.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10516, Cold Spring, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,627 (100%) |
| Owner Occupied HU | 1,782 (67.8%) |
| Renter Occupied HU | 568 (21.6%) |
| Vacant Housing Units | 277 (10.5%) |
| Median Home Value | $635,809 |
| Average Home Value | $690,983 |
Housing Distribution
Address Breakdown
Residential
2,407
Single Family
2,350
Multi-Family
57
Businesses
341
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sabrina Zeoli • Limited Editions Realty, Inc.
Mls Name: OneKey MLS
Mls ID: #948583