455 Roberts Hill RoadWest CoxsackieNY12192
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 455 Roberts Hill Road, West Coxsackie, NY, 12192 in West Coxsackie is narrow, $11/mo net on $1,880/mo rent after the $1,259/mo debt service, but the property operates at break-even-plus, not a loss. At $279,900 with a 8.06% yield, the long-run equity case via 5% appreciation ($77,331 over five years) and $2,578/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.49 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $107,404.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $11 | $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 | $1,880 |
| Total Monthly Debt Service | $1,758 |
| DSCR Ratio | 1.07x |
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 1973
3.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12192, West Coxsackie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 877 (100%) |
| Owner Occupied HU | 589 (67.2%) |
| Renter Occupied HU | 190 (21.7%) |
| Vacant Housing Units | 98 (11.2%) |
| Median Home Value | $298,185 |
| Average Home Value | $371,099 |
Housing Distribution
Address Breakdown
Residential
734
Single Family
734
Multi-Family
0
Businesses
72
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 1973
3.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12192, West Coxsackie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 877 (100%) |
| Owner Occupied HU | 589 (67.2%) |
| Renter Occupied HU | 190 (21.7%) |
| Vacant Housing Units | 98 (11.2%) |
| Median Home Value | $298,185 |
| Average Home Value | $371,099 |
Housing Distribution
Address Breakdown
Residential
734
Single Family
734
Multi-Family
0
Businesses
72
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dave Merchant • Keller Williams Realty HV Nort
Mls Name: HVCRMLS
Mls ID: #20255276