2529 State Route 4Fort EdwardNY12828
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2529 State Route 4, Fort Edward, NY, 12828 in Fort Edward. Priced at $129,900, it generates $2,537/mo in gross rent and $1,669/mo in net monthly cash flow, a 23.43% yield that comfortably supports the 4.34 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $20,032. Five-year appreciation: $35,889. Equity from principal paydown: $1,196/yr. Total projected cumulative return: $157,016.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 23.4% | 6.2% |
| Monthly Cash Flow | $1,669 | $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 | $2,537 |
| Total Monthly Debt Service | $816 |
| DSCR Ratio | 3.11x |
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 1951
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12828, Fort Edward, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,986 (100%) |
| Owner Occupied HU | 2,674 (67.1%) |
| Renter Occupied HU | 998 (25.0%) |
| Vacant Housing Units | 314 ( 7.9%) |
| Median Home Value | $243,968 |
| Average Home Value | $287,952 |
Housing Distribution
Address Breakdown
Residential
4,163
Single Family
4,094
Multi-Family
69
Businesses
178
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 1951
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12828, Fort Edward, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,986 (100%) |
| Owner Occupied HU | 2,674 (67.1%) |
| Renter Occupied HU | 998 (25.0%) |
| Vacant Housing Units | 314 ( 7.9%) |
| Median Home Value | $243,968 |
| Average Home Value | $287,952 |
Housing Distribution
Address Breakdown
Residential
4,163
Single Family
4,094
Multi-Family
69
Businesses
178
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices