281 Hayes RoadSchaghticokeNY12154
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 281 Hayes Road, Schaghticoke, NY, 12154 in Schaghticoke deserves attention. This $485,000 property earns $6,924/mo in rent, a 17.13% gross yield, and nets $3,685/mo after the $2,181/mo payment. DSCR 3.17 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $133,997 compounds alongside $4,467/yr in yearly equity build, for a total cumulative return of $422,109.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 17.1% | 6.2% |
| Monthly Cash Flow | $3,685 | $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 | $6,924 |
| Total Monthly Debt Service | $3,046 |
| DSCR Ratio | 2.27x |
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 2021
6.28 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 2021
6.28 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