44 Kendall DriveDelmarNY12054
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 44 Kendall Drive, Delmar, NY, 12054 in Delmar is narrow, $59/mo net on $2,658/mo rent after the $1,483/mo debt service, but the property operates at break-even-plus, not a loss. At $329,900 with a 9.67% yield, the long-run equity case via 5% appreciation ($91,145 over five years) and $3,038/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.79 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $155,107.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.2% |
| Monthly Cash Flow | $59 | $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 | $2,658 |
| Total Monthly Debt Service | $2,072 |
| DSCR Ratio | 1.28x |
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.
Condo
Built in 2015
435.60 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12054, Delmar, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,569 (100%) |
| Owner Occupied HU | 5,376 (71.0%) |
| Renter Occupied HU | 1,838 (24.3%) |
| Vacant Housing Units | 355 ( 4.7%) |
| Median Home Value | $373,707 |
| Average Home Value | $399,553 |
Housing Distribution
Address Breakdown
Residential
7,525
Single Family
7,137
Multi-Family
388
Businesses
478
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
Condo
Built in 2015
435.60 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12054, Delmar, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,569 (100%) |
| Owner Occupied HU | 5,376 (71.0%) |
| Renter Occupied HU | 1,838 (24.3%) |
| Vacant Housing Units | 355 ( 4.7%) |
| Median Home Value | $373,707 |
| Average Home Value | $399,553 |
Housing Distribution
Address Breakdown
Residential
7,525
Single Family
7,137
Multi-Family
388
Businesses
478
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices