55 Midland AvenueCentral ValleyNY10917
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderHigh DSCR is a competitive advantage at closing. 55 Midland Avenue, Central Valley, NY, 10917 in Central Valley achieves 1.51, rent of $4,420/mo covers the $2,923/mo payment 1.5x over at $650,000. Rental yield 7.86%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $179,583 over five years, with $5,987/yr in principal reduction bringing total projected return to $252,959.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $(88) | $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 | $4,420 |
| Total Monthly Debt Service | $4,082 |
| DSCR Ratio | 1.08x |
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 1962
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10917, Central Valley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 859 (100%) |
| Owner Occupied HU | 569 (66.2%) |
| Renter Occupied HU | 210 (24.4%) |
| Vacant Housing Units | 80 ( 9.3%) |
| Median Home Value | $598,565 |
| Average Home Value | $630,830 |
Housing Distribution
Address Breakdown
Residential
544
Single Family
544
Multi-Family
0
Businesses
426
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 1962
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10917, Central Valley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 859 (100%) |
| Owner Occupied HU | 569 (66.2%) |
| Renter Occupied HU | 210 (24.4%) |
| Vacant Housing Units | 80 ( 9.3%) |
| Median Home Value | $598,565 |
| Average Home Value | $630,830 |
Housing Distribution
Address Breakdown
Residential
544
Single Family
544
Multi-Family
0
Businesses
426
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Debbie Goldstein • Howard Hanna Rand Realty
Mls Name: OneKey MLS
Mls ID: #858916