435 Kings HighwayValley CottageNY10989








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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


Investment Highlights
Investment property for sale in Valley Cottage at 435 Kings Highway, Valley Cottage, NY, 10989 offers a 7.08% rental yield on a $525,000 purchase with $3,098/mo rent. 22% in year one. Equity gained on principal adds $3,388/yr while 5% annual appreciation supports $145,048 over five years. Portfolio math shows five-year ROI at 89.06% and total cumulative return in cash at $153,825. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $3,098/mo property income against a $2,570/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1960
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10989, Valley Cottage, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,617 (100%) |
| Owner Occupied HU | 2,869 (79.3%) |
| Renter Occupied HU | 600 (16.6%) |
| Vacant Housing Units | 148 ( 4.1%) |
| Median Home Value | $580,926 |
| Average Home Value | $587,576 |
Housing Distribution
Address Breakdown
Residential
3,429
Single Family
2,424
Multi-Family
1,005
Businesses
266
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Listed by: Todd A. Yovino • Island Advantage Realty LLC
Mls Name: OneKey MLS
Mls ID: #932897








