33 Spruce StreetPawlingNY12564








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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


Investment Highlights
Investment property for sale in Pawling at 33 Spruce Street, Pawling, NY, 12564 with 5% annual appreciation on a $359,999 basis while $2,640/mo rent supports operations. Total monthly income totals $2,640/mo and a $1,762/mo payment preserves $236/mo for cash returns. Annual cash flow comes to $2,832/yr on $119,340 deployed, and return on cash invested reaches 22.28% in year one. Equity gained on principal adds $2,323/yr, and five-year appreciation sums $99,461 alongside rental yield of 8.8%. Five-year ROI measures 116.19% and total cumulative return in cash totals $138,657.
Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $2,640/mo property income versus a $1,762/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Single Family
Built in 1988
871 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12564, Pawling, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,185 (100%) |
| Owner Occupied HU | 2,073 (65.1%) |
| Renter Occupied HU | 820 (25.7%) |
| Vacant Housing Units | 292 ( 9.2%) |
| Median Home Value | $475,242 |
| Average Home Value | $567,982 |
Housing Distribution
Address Breakdown
Residential
2,954
Single Family
2,680
Multi-Family
274
Businesses
334
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