35 Cedar Ridge RoadStone RidgeNY12484
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder35 Cedar Ridge Road, Stone Ridge, NY, 12484 in Stone Ridge is a stable, well-positioned rental at $689,000. Rental yield 7.83%. DSCR 1.45 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $190,358 in value and $6,346/yr in principal paydown builds equity, a total projected return of $255,938.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.2% |
| Monthly Cash Flow | $(106) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,495 |
| Total Monthly Debt Service | $4,327 |
| DSCR Ratio | 1.04x |
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 1978
1.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12484, Stone Ridge, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,524 (100%) |
| Owner Occupied HU | 1,083 (71.1%) |
| Renter Occupied HU | 211 (13.8%) |
| Vacant Housing Units | 230 (15.1%) |
| Median Home Value | $505,471 |
| Average Home Value | $588,823 |
Housing Distribution
Address Breakdown
Residential
1,246
Single Family
1,246
Multi-Family
0
Businesses
145
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 1978
1.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12484, Stone Ridge, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,524 (100%) |
| Owner Occupied HU | 1,083 (71.1%) |
| Renter Occupied HU | 211 (13.8%) |
| Vacant Housing Units | 230 (15.1%) |
| Median Home Value | $505,471 |
| Average Home Value | $588,823 |
Housing Distribution
Address Breakdown
Residential
1,246
Single Family
1,246
Multi-Family
0
Businesses
145
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: HVCRMLS
Mls ID: #20262467