4 Railroad StBernhards BayNY13028
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4 Railroad St, Bernhards Bay, NY, 13028 in Bernhards Bay speaks for itself: 32% gross on a $160,000 price, generating $4,267/mo in rent and $3,199/mo in net income after the $719/mo debt service. DSCR 5.93, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $38,385 stacks alongside $44,205 in projected five-year appreciation and $1,474/yr in principal reduction. Projected total cumulative return: $266,872.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 32% | 6.2% |
| Monthly Cash Flow | $3,199 | $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 | $4,267 |
| Total Monthly Debt Service | $1,005 |
| DSCR Ratio | 4.25x |
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 1860
0.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13028, Bernhards Bay, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 746 (100%) |
| Owner Occupied HU | 433 (58.0%) |
| Renter Occupied HU | 87 (11.7%) |
| Vacant Housing Units | 226 (30.3%) |
| Median Home Value | $184,375 |
| Average Home Value | $246,669 |
Housing Distribution
Address Breakdown
Residential
533
Single Family
533
Multi-Family
0
Businesses
14
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 1860
0.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13028, Bernhards Bay, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 746 (100%) |
| Owner Occupied HU | 433 (58.0%) |
| Renter Occupied HU | 87 (11.7%) |
| Vacant Housing Units | 226 (30.3%) |
| Median Home Value | $184,375 |
| Average Home Value | $246,669 |
Housing Distribution
Address Breakdown
Residential
533
Single Family
533
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices