307 Sepasco LakeRhinebeckNY12572
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 307 Sepasco Lake, Rhinebeck, NY, 12572 in Rhinebeck achieves 1.64, rent of $3,912/mo covers the $2,379/mo payment 1.5x over at $529,000. Rental yield 8.87%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $146,153 over five years, with $4,872/yr in principal reduction bringing total projected return to $226,126.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $(121) | $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 | $3,912 |
| Total Monthly Debt Service | $3,322 |
| DSCR Ratio | 1.18x |
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 1955
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12572, Rhinebeck, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,671 (100%) |
| Owner Occupied HU | 2,968 (63.5%) |
| Renter Occupied HU | 1,112 (23.8%) |
| Vacant Housing Units | 591 (12.7%) |
| Median Home Value | $595,588 |
| Average Home Value | $661,391 |
Housing Distribution
Address Breakdown
Residential
4,304
Single Family
4,046
Multi-Family
258
Businesses
519
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 1955
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12572, Rhinebeck, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,671 (100%) |
| Owner Occupied HU | 2,968 (63.5%) |
| Renter Occupied HU | 1,112 (23.8%) |
| Vacant Housing Units | 591 (12.7%) |
| Median Home Value | $595,588 |
| Average Home Value | $661,391 |
Housing Distribution
Address Breakdown
Residential
4,304
Single Family
4,046
Multi-Family
258
Businesses
519
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices