26 Cooper Road #411PoughkeepsieNY12603
INVESTMENT ANALYSIS
Investment Verdict
Solid Income26 Cooper Road #411, Poughkeepsie, NY, 12603 in Poughkeepsie carries a 1.69 coverage ratio, rent of $948/mo is 1.69 times the $562/mo payment. Rental yield 9.1%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $125,000 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $34,535; total projected cumulative return: $55,015.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.1% |
| Monthly Cash Flow | $(573) | $850 |
City averages based on Poughkeepsie market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $948 |
| Total Monthly Debt Service | $785 |
| DSCR Ratio | 1.21x |
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.
Condo
Built in 1985
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12603, Poughkeepsie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,810 (100%) |
| Owner Occupied HU | 12,208 (68.5%) |
| Renter Occupied HU | 4,553 (25.6%) |
| Vacant Housing Units | 1,049 ( 5.9%) |
| Median Home Value | $402,141 |
| Average Home Value | $462,567 |
Housing Distribution
Address Breakdown
Residential
17,010
Single Family
16,174
Multi-Family
836
Businesses
1,126
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 1985
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12603, Poughkeepsie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,810 (100%) |
| Owner Occupied HU | 12,208 (68.5%) |
| Renter Occupied HU | 4,553 (25.6%) |
| Vacant Housing Units | 1,049 ( 5.9%) |
| Median Home Value | $402,141 |
| Average Home Value | $462,567 |
Housing Distribution
Address Breakdown
Residential
17,010
Single Family
16,174
Multi-Family
836
Businesses
1,126
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ashley Bou • KW MidHudson
Mls Name: OneKey MLS
Mls ID: #962198