441 County Route 48Thompson RidgeNY10985
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Thompson Ridge rentals match the income profile of 441 County Route 48, Thompson Ridge, NY, 10985. Listed at $500,000, gross rent is $3,004/mo and net cash flow is $1,460/mo, a 11.52% yield well above national averages. DSCR 1.34 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $138,141 by year five with $4,605/yr in annual principal reduction, projecting $169,155 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.2% |
| Monthly Cash Flow | $1,460 | $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 | $3,004 |
| Total Monthly Debt Service | $3,140 |
| DSCR Ratio | 0.96x |
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 2002
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10985, Thompson Ridge, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14 (100%) |
| Owner Occupied HU | 14 (100.0%) |
| Renter Occupied HU | 0 |
| Vacant Housing Units | 0 |
| Median Home Value | $480,000 |
| Average Home Value | $578,571 |
Housing Distribution
Address Breakdown
Residential
74
Single Family
74
Multi-Family
0
Businesses
13
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 2002
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10985, Thompson Ridge, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14 (100%) |
| Owner Occupied HU | 14 (100.0%) |
| Renter Occupied HU | 0 |
| Vacant Housing Units | 0 |
| Median Home Value | $480,000 |
| Average Home Value | $578,571 |
Housing Distribution
Address Breakdown
Residential
74
Single Family
74
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alexander Panet • Real Broker NY LLC
Mls Name: OneKey MLS
Mls Provider:
Mls ID: #834549
Disclaimer: The data relating to real estate for sale or lease on this web site comes in part from OneKey MLS. Real estate listings held by brokerage firms other than Zillow, Inc are marked with the OneKey MLS logo or an abbreviated logo and detailed information about them includes the name of the listing broker. 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. Copyright 2025 OneKey MLS. All rights reserved.