4 DELAVAN AvenueMiddle GroveNY12850
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4 DELAVAN Avenue, Middle Grove, NY, 12850 in Middle Grove is narrow, $97/mo net on $765/mo rent after the $450/mo debt service, but the property operates at break-even-plus, not a loss. At $100,000 with a 9.18% yield, the long-run equity case via 5% appreciation ($27,628 over five years) and $921/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.70 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $44,381.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $97 | $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 | $765 |
| Total Monthly Debt Service | $628 |
| DSCR Ratio | 1.22x |
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 1938
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12850, Middle Grove, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,385 (100%) |
| Owner Occupied HU | 1,042 (75.2%) |
| Renter Occupied HU | 122 ( 8.8%) |
| Vacant Housing Units | 221 (16.0%) |
| Median Home Value | $435,762 |
| Average Home Value | $552,044 |
Housing Distribution
Address Breakdown
Residential
1,153
Single Family
1,153
Multi-Family
0
Businesses
32
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 1938
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12850, Middle Grove, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,385 (100%) |
| Owner Occupied HU | 1,042 (75.2%) |
| Renter Occupied HU | 122 ( 8.8%) |
| Vacant Housing Units | 221 (16.0%) |
| Median Home Value | $435,762 |
| Average Home Value | $552,044 |
Housing Distribution
Address Breakdown
Residential
1,153
Single Family
1,153
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shayna L Goodson • Find Advisors
Mls Name: Global MLS
Mls ID: #202528348