37004 State Highway 23RoxburyNY12474
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Roxbury rentals match the income profile of 37004 State Highway 23, Roxbury, NY, 12474. Listed at $209,000, gross rent is $2,564/mo and net cash flow is $1,169/mo, a 14.72% yield well above national averages. DSCR 2.73 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $57,743 by year five with $1,925/yr in annual principal reduction, projecting $154,910 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 14.7% | 6.2% |
| Monthly Cash Flow | $1,169 | $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 | $2,564 |
| Total Monthly Debt Service | $1,313 |
| DSCR Ratio | 1.95x |
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 1915
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12474, Roxbury, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,198 (100%) |
| Owner Occupied HU | 453 (37.8%) |
| Renter Occupied HU | 102 ( 8.5%) |
| Vacant Housing Units | 643 (53.7%) |
| Median Home Value | $308,394 |
| Average Home Value | $331,645 |
Housing Distribution
Address Breakdown
Residential
503
Single Family
503
Multi-Family
0
Businesses
53
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 1915
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12474, Roxbury, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,198 (100%) |
| Owner Occupied HU | 453 (37.8%) |
| Renter Occupied HU | 102 ( 8.5%) |
| Vacant Housing Units | 643 (53.7%) |
| Median Home Value | $308,394 |
| Average Home Value | $331,645 |
Housing Distribution
Address Breakdown
Residential
503
Single Family
503
Multi-Family
0
Businesses
53
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices