4000 State Route 7Hoosick FallsNY12090
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4000 State Route 7, Hoosick Falls, NY, 12090 in Hoosick Falls. Priced at $125,000, it generates $2,485/mo in gross rent and $1,650/mo in net monthly cash flow, a 23.86% yield that comfortably supports the 4.42 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $19,806. Five-year appreciation: $34,535. Equity from principal paydown: $1,151/yr. Total projected cumulative return: $153,919.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 23.9% | 6.2% |
| Monthly Cash Flow | $1,650 | $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 | $2,485 |
| Total Monthly Debt Service | $785 |
| DSCR Ratio | 3.17x |
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 2004
6.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12090, Hoosick Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,814 (100%) |
| Owner Occupied HU | 1,664 (59.1%) |
| Renter Occupied HU | 774 (27.5%) |
| Vacant Housing Units | 376 (13.4%) |
| Median Home Value | $249,770 |
| Average Home Value | $390,539 |
Housing Distribution
Address Breakdown
Residential
2,420
Single Family
2,416
Multi-Family
4
Businesses
150
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 2004
6.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12090, Hoosick Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,814 (100%) |
| Owner Occupied HU | 1,664 (59.1%) |
| Renter Occupied HU | 774 (27.5%) |
| Vacant Housing Units | 376 (13.4%) |
| Median Home Value | $249,770 |
| Average Home Value | $390,539 |
Housing Distribution
Address Breakdown
Residential
2,420
Single Family
2,416
Multi-Family
4
Businesses
150
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices