4684 State Route 66Malden BridgeNY12115
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 4684 State Route 66, Malden Bridge, NY, 12115 in Malden Bridge offers a clean, manageable entry. Rental yield 6.39%. DSCR 1.18 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $241,746 in additional property value over five years, with $8,059/yr in principal equity building ownership stake. Total projected cumulative return: $257,243.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.2% |
| Monthly Cash Flow | $(1,187) | $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 | $4,656 |
| Total Monthly Debt Service | $5,495 |
| DSCR Ratio | 0.85x |
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 1820
1.12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12115, Malden Bridge, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 57 (100%) |
| Owner Occupied HU | 30 (52.6%) |
| Renter Occupied HU | 5 ( 8.8%) |
| Vacant Housing Units | 22 (38.6%) |
| Median Home Value | $437,500 |
| Average Home Value | $615,000 |
Housing Distribution
Address Breakdown
Residential
34
Single Family
34
Multi-Family
0
Businesses
11
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 1820
1.12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12115, Malden Bridge, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 57 (100%) |
| Owner Occupied HU | 30 (52.6%) |
| Renter Occupied HU | 5 ( 8.8%) |
| Vacant Housing Units | 22 (38.6%) |
| Median Home Value | $437,500 |
| Average Home Value | $615,000 |
Housing Distribution
Address Breakdown
Residential
34
Single Family
34
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jamie Kelter • KW Platform
Mls Name: Global MLS
Mls Provider:
Mls ID: #202510255
Disclaimer: 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. Judy Moriarty, Zillow, Inc., Corp. Broker