256 North Main Streets #D4Spring ValleyNY10977
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 256 North Main Streets #D4, Spring Valley, NY, 10977 in Spring Valley achieves a 1.77 ratio at $135,000: $1,072/mo rent versus $607/mo debt service. Rental yield 9.53%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 9.53% yield compounds alongside 5% annual appreciation projecting $37,298 in value. Total projected cumulative return: $9,758.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $(709) | $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 | $1,072 |
| Total Monthly Debt Service | $1,727 |
| DSCR Ratio | 0.62x |
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.
Condo
Built in 1962
N/A lot
$N/A/sqft
$879 monthly HOA
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
Condo
Built in 1962
N/A lot
$N/A/sqft
$879 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anthony Marion • Howard Hanna Rand Realty
Mls Name: OneKey MLS
Mls Provider:
Mls ID: #836719
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