263 Stillwater Bridge RoadSchaghticokeNY12154
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 263 Stillwater Bridge Road, Schaghticoke, NY, 12154 in Schaghticoke. At $150,000 it earns $1,204/mo in rent and distributes $202/mo to the owner after the $674/mo payment, a consistent 9.63% yield. DSCR 1.79 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $41,442 in value; $1,382/yr in principal paydown compounds ownership stake. Total projected return: $70,280.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $202 | $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 | $1,204 |
| Total Monthly Debt Service | $942 |
| DSCR Ratio | 1.28x |
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 1870
4.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12154, Schaghticoke, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,206 (100%) |
| Owner Occupied HU | 956 (79.3%) |
| Renter Occupied HU | 160 (13.3%) |
| Vacant Housing Units | 90 ( 7.5%) |
| Median Home Value | $280,040 |
| Average Home Value | $329,401 |
Housing Distribution
Address Breakdown
Residential
1,027
Single Family
1,027
Multi-Family
0
Businesses
58
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 1870
4.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12154, Schaghticoke, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,206 (100%) |
| Owner Occupied HU | 956 (79.3%) |
| Renter Occupied HU | 160 (13.3%) |
| Vacant Housing Units | 90 ( 7.5%) |
| Median Home Value | $280,040 |
| Average Home Value | $329,401 |
Housing Distribution
Address Breakdown
Residential
1,027
Single Family
1,027
Multi-Family
0
Businesses
58
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Global MLS
Mls ID: #202612885