382 Old RoadCropseyvilleNY12052
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 382 Old Road, Cropseyville, NY, 12052 in Cropseyville is a conservative rental investment at $495,000. Rental yield 6.79%. A 1.26 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $136,759; $4,559/yr in principal paydown supplements. Total projected return: $156,317.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.2% |
| Monthly Cash Flow | $(505) | $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 | $2,801 |
| Total Monthly Debt Service | $3,109 |
| DSCR Ratio | 0.90x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1977
3.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12052, Cropseyville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 782 (100%) |
| Owner Occupied HU | 559 (71.5%) |
| Renter Occupied HU | 63 ( 8.1%) |
| Vacant Housing Units | 160 (20.5%) |
| Median Home Value | $276,758 |
| Average Home Value | $294,213 |
Housing Distribution
Address Breakdown
Residential
634
Single Family
634
Multi-Family
0
Businesses
50
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 1977
3.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12052, Cropseyville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 782 (100%) |
| Owner Occupied HU | 559 (71.5%) |
| Renter Occupied HU | 63 ( 8.1%) |
| Vacant Housing Units | 160 (20.5%) |
| Median Home Value | $276,758 |
| Average Home Value | $294,213 |
Housing Distribution
Address Breakdown
Residential
634
Single Family
634
Multi-Family
0
Businesses
50
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Donald A Neudecker • Neudecker Realty
Mls Name: Global MLS
Mls ID: #202610231