276 Temple Hill Road #303New WindsorNY12553
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 276 Temple Hill Road #303, New Windsor, NY, 12553 in New Windsor worth modelling. At $295,000 with a 9.76% gross yield, the $2,400/mo rent leaves $136/mo after the $1,327/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.81 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $81,503 by year five; $2,717/yr in principal reduction adds further equity. Total projected return: $140,130.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $136 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $1,853 |
| DSCR Ratio | 1.30x |
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 1981
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12553, New Windsor, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,284 (100%) |
| Owner Occupied HU | 6,954 (61.6%) |
| Renter Occupied HU | 3,610 (32.0%) |
| Vacant Housing Units | 720 ( 6.4%) |
| Median Home Value | $393,937 |
| Average Home Value | $444,184 |
Housing Distribution
Address Breakdown
Residential
10,582
Single Family
9,451
Multi-Family
1,131
Businesses
814
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 1981
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12553, New Windsor, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,284 (100%) |
| Owner Occupied HU | 6,954 (61.6%) |
| Renter Occupied HU | 3,610 (32.0%) |
| Vacant Housing Units | 720 ( 6.4%) |
| Median Home Value | $393,937 |
| Average Home Value | $444,184 |
Housing Distribution
Address Breakdown
Residential
10,582
Single Family
9,451
Multi-Family
1,131
Businesses
814
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: #997871