3523 Route 212BearsvilleNY12409
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3523 Route 212, Bearsville, NY, 12409 in Bearsville speaks for itself: 12.49% gross on a $495,000 price, generating $5,150/mo in rent and $1,845/mo in net income after the $2,226/mo debt service. DSCR 2.31, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $22,138 stacks alongside $136,759 in projected five-year appreciation and $4,559/yr in principal reduction. Projected total cumulative return: $307,469.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.5% | 6.2% |
| Monthly Cash Flow | $1,845 | $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 | $5,150 |
| Total Monthly Debt Service | $3,109 |
| DSCR Ratio | 1.66x |
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 1905
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12409, Bearsville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 920 (100%) |
| Owner Occupied HU | 562 (61.1%) |
| Renter Occupied HU | 117 (12.7%) |
| Vacant Housing Units | 241 (26.2%) |
| Median Home Value | $723,118 |
| Average Home Value | $850,890 |
Housing Distribution
Address Breakdown
Residential
374
Single Family
374
Multi-Family
0
Businesses
45
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 1905
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12409, Bearsville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 920 (100%) |
| Owner Occupied HU | 562 (61.1%) |
| Renter Occupied HU | 117 (12.7%) |
| Vacant Housing Units | 241 (26.2%) |
| Median Home Value | $723,118 |
| Average Home Value | $850,890 |
Housing Distribution
Address Breakdown
Residential
374
Single Family
374
Multi-Family
0
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Peter Cantine • Halter Associates Realty
Mls Name: HVCRMLS
Mls ID: #20252266