46 Route 23ClaverackNY12513
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 46 Route 23, Claverack, NY, 12513 in Claverack. Rental yield 7.88%. The 1.46 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $186,490 and $6,217/yr in principal reduction project total return of $252,456.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $(77) | $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 | $4,430 |
| Total Monthly Debt Service | $4,239 |
| DSCR Ratio | 1.05x |
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 1780
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12513, Claverack, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 299 (100%) |
| Owner Occupied HU | 218 (72.9%) |
| Renter Occupied HU | 32 (10.7%) |
| Vacant Housing Units | 49 (16.4%) |
| Median Home Value | $351,724 |
| Average Home Value | $551,755 |
Housing Distribution
Address Breakdown
Residential
175
Single Family
175
Multi-Family
0
Businesses
83
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 1780
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12513, Claverack, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 299 (100%) |
| Owner Occupied HU | 218 (72.9%) |
| Renter Occupied HU | 32 (10.7%) |
| Vacant Housing Units | 49 (16.4%) |
| Median Home Value | $351,724 |
| Average Home Value | $551,755 |
Housing Distribution
Address Breakdown
Residential
175
Single Family
175
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices