4359 Route 81GreenvilleNY12083



INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 4359 Route 81, Greenville, NY, 12083 in Greenville delivers $1,620/mo in gross rent and $291/mo in net monthly income at a $199,000 entry. The 9.77% yield and 1.81 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $54,980 over five years and $1,833/yr in equity from loan paydown, total projected return is $94,650.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $291 | $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 | $1,620 |
| Total Monthly Debt Service | $1,250 |
| DSCR Ratio | 1.30x |
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 1932
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12083, Greenville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,882 (100%) |
| Owner Occupied HU | 1,252 (66.5%) |
| Renter Occupied HU | 338 (18.0%) |
| Vacant Housing Units | 292 (15.5%) |
| Median Home Value | $318,382 |
| Average Home Value | $385,980 |
Housing Distribution
Address Breakdown
Residential
1,603
Single Family
1,472
Multi-Family
131
Businesses
119



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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


Single Family
Built in 1932
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12083, Greenville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,882 (100%) |
| Owner Occupied HU | 1,252 (66.5%) |
| Renter Occupied HU | 338 (18.0%) |
| Vacant Housing Units | 292 (15.5%) |
| Median Home Value | $318,382 |
| Average Home Value | $385,980 |
Housing Distribution
Address Breakdown
Residential
1,603
Single Family
1,472
Multi-Family
131
Businesses
119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices



Listed by: Anne C. Lafferty • Anne Lafferty Realty
Mls Name: Columbia Greene Northern Dutchess MLS
Mls Provider:
Mls ID: #154712
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.








