26 Cooper Road #811PoughkeepsieNY12603
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 26 Cooper Road #811, Poughkeepsie, NY, 12603 in Poughkeepsie achieves a 1.75 ratio at $145,000: $1,144/mo rent versus $652/mo debt service. Rental yield 9.47%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 9.47% yield compounds alongside 5% annual appreciation projecting $40,061 in value. Total projected cumulative return: $66,622.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.1% |
| Monthly Cash Flow | $(633) | $850 |
City averages based on Poughkeepsie market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,144 |
| Total Monthly Debt Service | $911 |
| DSCR Ratio | 1.26x |
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 1973
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 1973
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: N/A • N/A
Mls Name: OneKey MLS as distributed by MLS GRID
Mls ID: #971637