420 Wittenberg RoadBearsvilleNY12409
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Bearsville at 420 Wittenberg Road, Bearsville, NY, 12409 projects strong ROI of 8.42%. Rental yield 3.99%. With 5% annual appreciation, the property builds $663,076 in value over five years. Equity growth combined delivers a projected five-year ROI of 58.64%, translating into $397,605 in total cumulative return on $678,000 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.2% |
| Monthly Cash Flow | $(8,042) | $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 | $7,985 |
| Total Monthly Debt Service | $15,072 |
| DSCR Ratio | 0.53x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2026
2.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12409, Bearsville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 920 (100%) |
| Owner Occupied HU | 562 (61.1%) |
| Renter Occupied HU | 117 (12.7%) |
| Vacant Housing Units | 241 (26.2%) |
| Median Home Value | $723,118 |
| Average Home Value | $850,890 |
Housing Distribution
Address Breakdown
Residential
374
Single Family
374
Multi-Family
0
Businesses
45
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 2026
2.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12409, Bearsville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 920 (100%) |
| Owner Occupied HU | 562 (61.1%) |
| Renter Occupied HU | 117 (12.7%) |
| Vacant Housing Units | 241 (26.2%) |
| Median Home Value | $723,118 |
| Average Home Value | $850,890 |
Housing Distribution
Address Breakdown
Residential
374
Single Family
374
Multi-Family
0
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Peter Cantine • Halter Associates Realty
Mls Name: HVCRMLS
Mls ID: #20255729