4 Lawrence AveCoxsackieNY12051
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4 Lawrence Ave, Coxsackie, NY, 12051 in Coxsackie speaks for itself: 10.22% gross on a $285,000 price, generating $2,428/mo in rent and $524/mo in net income after the $1,282/mo debt service. DSCR 1.89, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,293 stacks alongside $78,740 in projected five-year appreciation and $2,625/yr in principal reduction. Projected total cumulative return: $142,427.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.2% |
| Monthly Cash Flow | $524 | $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 | $2,428 |
| Total Monthly Debt Service | $1,790 |
| DSCR Ratio | 1.36x |
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 1910
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12051, Coxsackie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,905 (100%) |
| Owner Occupied HU | 1,000 (52.5%) |
| Renter Occupied HU | 653 (34.3%) |
| Vacant Housing Units | 252 (13.2%) |
| Median Home Value | $336,857 |
| Average Home Value | $369,323 |
Housing Distribution
Address Breakdown
Residential
1,456
Single Family
1,455
Multi-Family
1
Businesses
115
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 1910
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12051, Coxsackie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,905 (100%) |
| Owner Occupied HU | 1,000 (52.5%) |
| Renter Occupied HU | 653 (34.3%) |
| Vacant Housing Units | 252 (13.2%) |
| Median Home Value | $336,857 |
| Average Home Value | $369,323 |
Housing Distribution
Address Breakdown
Residential
1,456
Single Family
1,455
Multi-Family
1
Businesses
115
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Angela M. Lanuto, RSPS • Coldwell Banker Village Green
Mls Name: Columbia Greene Northern Dutchess MLS
Mls Provider:
Mls ID: #156883
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.