44 Greenfield LaneHamptonNY12837
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.76% yield at 44 Greenfield Lane, Hampton, NY, 12837 in Hampton is solid, but the $944/mo payment compresses net cash flow to $130/mo at $210,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $58,019 by year five, and $1,934/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.62) without U.S. income documentation. Total projected return: $88,471.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $130 | $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 | $1,532 |
| Total Monthly Debt Service | $1,319 |
| DSCR Ratio | 1.16x |
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 1910
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12837, Hampton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 339 (100%) |
| Owner Occupied HU | 242 (71.4%) |
| Renter Occupied HU | 79 (23.3%) |
| Vacant Housing Units | 18 ( 5.3%) |
| Median Home Value | $193,750 |
| Average Home Value | $248,254 |
Housing Distribution
Address Breakdown
Residential
287
Single Family
287
Multi-Family
0
Businesses
10
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 1910
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12837, Hampton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 339 (100%) |
| Owner Occupied HU | 242 (71.4%) |
| Renter Occupied HU | 79 (23.3%) |
| Vacant Housing Units | 18 ( 5.3%) |
| Median Home Value | $193,750 |
| Average Home Value | $248,254 |
Housing Distribution
Address Breakdown
Residential
287
Single Family
287
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices