281 Edie RoadWiltonNY12866
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 281 Edie Road, Wilton, NY, 12866 in Wilton offers a clean, manageable entry. Rental yield 7.55%. DSCR 1.40 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $200,277 in additional property value over five years, with $6,676/yr in principal equity building ownership stake. Total projected cumulative return: $258,426.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $(280) | $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 | $4,561 |
| Total Monthly Debt Service | $4,552 |
| DSCR Ratio | 1.00x |
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 2025
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12866, Saratoga Springs, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,215 (100%) |
| Owner Occupied HU | 11,132 (52.5%) |
| Renter Occupied HU | 7,304 (34.4%) |
| Vacant Housing Units | 2,779 (13.1%) |
| Median Home Value | $538,112 |
| Average Home Value | $603,511 |
Housing Distribution
Address Breakdown
Residential
19,529
Single Family
15,928
Multi-Family
3,601
Businesses
2,184
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 2025
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12866, Saratoga Springs, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,215 (100%) |
| Owner Occupied HU | 11,132 (52.5%) |
| Renter Occupied HU | 7,304 (34.4%) |
| Vacant Housing Units | 2,779 (13.1%) |
| Median Home Value | $538,112 |
| Average Home Value | $603,511 |
Housing Distribution
Address Breakdown
Residential
19,529
Single Family
15,928
Multi-Family
3,601
Businesses
2,184
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices