290 Camden Valley RoadShushanNY12873
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play290 Camden Valley Road, Shushan, NY, 12873 in Shushan is priced for appreciation, not yield. Rental yield 4.91%. At $1,200,000 with a 4.91% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $331,538 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.91) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $257,585.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.2% |
| Monthly Cash Flow | $(3,108) | $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 | $4,906 |
| Total Monthly Debt Service | $7,536 |
| DSCR Ratio | 0.65x |
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 1982
78.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12873, Shushan, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 480 (100%) |
| Owner Occupied HU | 299 (62.3%) |
| Renter Occupied HU | 61 (12.7%) |
| Vacant Housing Units | 120 (25.0%) |
| Median Home Value | $331,818 |
| Average Home Value | $385,142 |
Housing Distribution
Address Breakdown
Residential
317
Single Family
317
Multi-Family
0
Businesses
11
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 1982
78.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12873, Shushan, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 480 (100%) |
| Owner Occupied HU | 299 (62.3%) |
| Renter Occupied HU | 61 (12.7%) |
| Vacant Housing Units | 120 (25.0%) |
| Median Home Value | $331,818 |
| Average Home Value | $385,142 |
Housing Distribution
Address Breakdown
Residential
317
Single Family
317
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices