27 Butternut CourtHighland MillsNY10930
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 27 Butternut Court, Highland Mills, NY, 10930 in Highland Mills is narrow, $197/mo net on $3,283/mo rent after the $1,866/mo debt service, but the property operates at break-even-plus, not a loss. At $415,000 with a 9.49% yield, the long-run equity case via 5% appreciation ($114,657 over five years) and $3,822/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.76 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $172,275.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $197 | $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 | $3,283 |
| Total Monthly Debt Service | $2,921 |
| DSCR Ratio | 1.12x |
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.
Townhouse
Built in 1985
1,943 sqft lot
$N/A/sqft
$315 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10930, Highland Mills, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,928 (100%) |
| Owner Occupied HU | 2,816 (71.7%) |
| Renter Occupied HU | 722 (18.4%) |
| Vacant Housing Units | 390 ( 9.9%) |
| Median Home Value | $473,950 |
| Average Home Value | $524,782 |
Housing Distribution
Address Breakdown
Residential
2,992
Single Family
2,992
Multi-Family
0
Businesses
118
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
Townhouse
Built in 1985
1,943 sqft lot
$N/A/sqft
$315 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10930, Highland Mills, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,928 (100%) |
| Owner Occupied HU | 2,816 (71.7%) |
| Renter Occupied HU | 722 (18.4%) |
| Vacant Housing Units | 390 ( 9.9%) |
| Median Home Value | $473,950 |
| Average Home Value | $524,782 |
Housing Distribution
Address Breakdown
Residential
2,992
Single Family
2,992
Multi-Family
0
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices