4 Downing Place UNIT GPoughkeepsieNY12603
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4 Downing Place UNIT G, Poughkeepsie, NY, 12603 in Poughkeepsie at $319,900 earns $2,640/mo in rent and nets $40/mo after the $1,438/mo payment, a 9.9% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $88,382 over five years. Ziffy Mortgage underwrites this on a 1.84 DSCR without U.S. credit history. With $2,946/yr in principal paydown, total projected return reaches $126,599.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.1% |
| Monthly Cash Flow | $40 | $850 |
City averages based on Poughkeepsie market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,640 |
| Total Monthly Debt Service | $2,473 |
| DSCR Ratio | 1.07x |
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.
Townhouse
Built in 1975
680 sqft lot
$N/A/sqft
$464 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12603, Poughkeepsie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,810 (100%) |
| Owner Occupied HU | 12,208 (68.5%) |
| Renter Occupied HU | 4,553 (25.6%) |
| Vacant Housing Units | 1,049 ( 5.9%) |
| Median Home Value | $402,141 |
| Average Home Value | $462,567 |
Housing Distribution
Address Breakdown
Residential
17,010
Single Family
16,174
Multi-Family
836
Businesses
1,126
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
Townhouse
Built in 1975
680 sqft lot
$N/A/sqft
$464 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12603, Poughkeepsie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,810 (100%) |
| Owner Occupied HU | 12,208 (68.5%) |
| Renter Occupied HU | 4,553 (25.6%) |
| Vacant Housing Units | 1,049 ( 5.9%) |
| Median Home Value | $402,141 |
| Average Home Value | $462,567 |
Housing Distribution
Address Breakdown
Residential
17,010
Single Family
16,174
Multi-Family
836
Businesses
1,126
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices