280 Newton RdStephentownNY12169
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 280 Newton Rd, Stephentown, NY, 12169 in Stephentown is a conservative rental investment at $818,000. Rental yield 6.35%. A 0.78 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $225,998; $7,534/yr in principal paydown supplements. Total projected return: $145,898.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.2% |
| Monthly Cash Flow | $(1,135) | $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 | $2,882 |
| Total Monthly Debt Service | $5,137 |
| DSCR Ratio | 0.56x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1826
8.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12169, Stephentown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 217 (100%) |
| Owner Occupied HU | 153 (70.5%) |
| Renter Occupied HU | 32 (14.7%) |
| Vacant Housing Units | 32 (14.7%) |
| Median Home Value | $316,071 |
| Average Home Value | $342,827 |
Housing Distribution
Address Breakdown
Residential
210
Single Family
210
Multi-Family
0
Businesses
0
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 1826
8.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12169, Stephentown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 217 (100%) |
| Owner Occupied HU | 153 (70.5%) |
| Renter Occupied HU | 32 (14.7%) |
| Vacant Housing Units | 32 (14.7%) |
| Median Home Value | $316,071 |
| Average Home Value | $342,827 |
Housing Distribution
Address Breakdown
Residential
210
Single Family
210
Multi-Family
0
Businesses
0
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeffrey M. McKinney • Beach & Bartolo Realtors
Mls Name: Columbia Greene Northern Dutchess MLS
Mls Provider:
Mls ID: #155119
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.