41 Montgomery StreetTivoliNY12583
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 41 Montgomery Street, Tivoli, NY, 12583 in Tivoli. At $649,000 it earns $5,400/mo in rent and distributes $1,066/mo to the owner after the $2,918/mo payment, a consistent 9.98% yield. DSCR 1.85 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $179,307 in value; $5,977/yr in principal paydown compounds ownership stake. Total projected return: $316,111.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.2% |
| Monthly Cash Flow | $1,066 | $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 | $5,400 |
| Total Monthly Debt Service | $4,076 |
| DSCR Ratio | 1.32x |
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.
Multi Family
Built in 1971
3.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12583, Tivoli, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 689 (60.1%) |
| Renter Occupied HU | 329 (28.7%) |
| Vacant Housing Units | 129 (11.2%) |
| Median Home Value | $556,865 |
| Average Home Value | $634,586 |
Housing Distribution
Address Breakdown
Residential
823
Single Family
823
Multi-Family
0
Businesses
65
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
Multi Family
Built in 1971
3.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12583, Tivoli, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 689 (60.1%) |
| Renter Occupied HU | 329 (28.7%) |
| Vacant Housing Units | 129 (11.2%) |
| Median Home Value | $556,865 |
| Average Home Value | $634,586 |
Housing Distribution
Address Breakdown
Residential
823
Single Family
823
Multi-Family
0
Businesses
65
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices