448 Saw Mill River RoadMillwoodNY10546
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 448 Saw Mill River Road, Millwood, NY, 10546 in Millwood is listed at $699,222 and delivers $4,920/mo in rent and $251/mo in net monthly cash flow. The 8.44% yield and 1.56 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $193,182 over five years, and $6,440/yr in principal reduction supplements cash return. Total projected cumulative return: $282,802.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $251 | $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 | $4,920 |
| Total Monthly Debt Service | $4,391 |
| DSCR Ratio | 1.12x |
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 1950
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10546, Millwood, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 325 (100%) |
| Owner Occupied HU | 268 (82.5%) |
| Renter Occupied HU | 38 (11.7%) |
| Vacant Housing Units | 19 ( 5.8%) |
| Median Home Value | $898,496 |
| Average Home Value | $1,037,313 |
Housing Distribution
Address Breakdown
Residential
492
Single Family
492
Multi-Family
0
Businesses
124
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 1950
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10546, Millwood, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 325 (100%) |
| Owner Occupied HU | 268 (82.5%) |
| Renter Occupied HU | 38 (11.7%) |
| Vacant Housing Units | 19 ( 5.8%) |
| Median Home Value | $898,496 |
| Average Home Value | $1,037,313 |
Housing Distribution
Address Breakdown
Residential
492
Single Family
492
Multi-Family
0
Businesses
124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices