252 Ruby RoadKingstonNY12401
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 252 Ruby Road, Kingston, NY, 12401 in Kingston at $215,000 earns $1,543/mo in rent and nets $44/mo after the $967/mo payment, a 8.26% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $59,401 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $1,980/yr in principal paydown, total projected return reaches $88,900.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $44 | $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 | $1,543 |
| Total Monthly Debt Service | $1,350 |
| DSCR Ratio | 1.14x |
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 1986
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12401, Kingston, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,830 (100%) |
| Owner Occupied HU | 8,289 (46.5%) |
| Renter Occupied HU | 7,469 (41.9%) |
| Vacant Housing Units | 2,072 (11.6%) |
| Median Home Value | $346,290 |
| Average Home Value | $419,400 |
Housing Distribution
Address Breakdown
Residential
15,993
Single Family
13,848
Multi-Family
2,145
Businesses
1,752
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 1986
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12401, Kingston, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,830 (100%) |
| Owner Occupied HU | 8,289 (46.5%) |
| Renter Occupied HU | 7,469 (41.9%) |
| Vacant Housing Units | 2,072 (11.6%) |
| Median Home Value | $346,290 |
| Average Home Value | $419,400 |
Housing Distribution
Address Breakdown
Residential
15,993
Single Family
13,848
Multi-Family
2,145
Businesses
1,752
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Margaret Thorne • Keller Williams Realty HV Nort
Mls Name: UCBR
Mls Provider:
Mls ID: #20250852
Disclaimer: IDX information 2025 by the Multiple Listing Service of Ulster County, Inc. All Rights Reserved. The data relating to real estate on this website comes in part from the IDX of the Multiple Listing Service of Ulster County, Inc. Information is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.