39 Orchard StreetOtisvilleNY10963
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 39 Orchard Street, Otisville, NY, 10963 in Otisville. Rental yield 7.22%. The 1.34 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $127,087 and $4,237/yr in principal reduction project total return of $155,885.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $(303) | $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 | $2,768 |
| Total Monthly Debt Service | $2,889 |
| DSCR Ratio | 0.96x |
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 1974
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10963, Otisville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,018 (100%) |
| Owner Occupied HU | 726 (71.3%) |
| Renter Occupied HU | 189 (18.6%) |
| Vacant Housing Units | 103 (10.1%) |
| Median Home Value | $420,856 |
| Average Home Value | $455,344 |
Housing Distribution
Address Breakdown
Residential
852
Single Family
809
Multi-Family
43
Businesses
95
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 1974
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10963, Otisville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,018 (100%) |
| Owner Occupied HU | 726 (71.3%) |
| Renter Occupied HU | 189 (18.6%) |
| Vacant Housing Units | 103 (10.1%) |
| Median Home Value | $420,856 |
| Average Home Value | $455,344 |
Housing Distribution
Address Breakdown
Residential
852
Single Family
809
Multi-Family
43
Businesses
95
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices