326 Union Center RoadUlster ParkNY12487
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 326 Union Center Road, Ulster Park, NY, 12487 in Ulster Park is listed at $650,000 and delivers $5,324/mo in rent and $984/mo in net monthly cash flow. The 9.83% yield and 1.82 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $179,583 over five years, and $5,987/yr in principal reduction supplements cash return. Total projected cumulative return: $311,111.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $984 | $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 | $5,324 |
| Total Monthly Debt Service | $4,082 |
| DSCR Ratio | 1.30x |
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 1965
2.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12487, Ulster Park, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,551 (100%) |
| Owner Occupied HU | 934 (60.2%) |
| Renter Occupied HU | 447 (28.8%) |
| Vacant Housing Units | 170 (11.0%) |
| Median Home Value | $452,030 |
| Average Home Value | $483,892 |
Housing Distribution
Address Breakdown
Residential
1,204
Single Family
1,139
Multi-Family
65
Businesses
44
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 1965
2.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12487, Ulster Park, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,551 (100%) |
| Owner Occupied HU | 934 (60.2%) |
| Renter Occupied HU | 447 (28.8%) |
| Vacant Housing Units | 170 (11.0%) |
| Median Home Value | $452,030 |
| Average Home Value | $483,892 |
Housing Distribution
Address Breakdown
Residential
1,204
Single Family
1,139
Multi-Family
65
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Harris Safier • BHHS HUDSON VALLEY PROP-KING
Mls Name: HVCRMLS
Mls Provider:
Mls ID: #20250917
Disclaimer: IDX information 2025 by the Multiple Listing Service of Ulster County, Inc. All Rights Reserved. The data relating to real estate on this website comes in part from the IDX of the Multiple Listing Service of Ulster County, Inc. Information is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.