55 Timberwick DriveHalfmoonNY12065
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow55 Timberwick Drive, Halfmoon, NY, 12065 in Halfmoon is a top-tier cash-flow asset. At $685,000 it produces $6,754/mo in rent and $2,179/mo in net monthly income, a 11.83% gross rental yield. The DSCR of 2.19 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $26,151. Five-year appreciation adds $189,253, driving a total cumulative return of $401,480.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.2% |
| Monthly Cash Flow | $2,179 | $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 | $6,754 |
| Total Monthly Debt Service | $4,302 |
| DSCR Ratio | 1.57x |
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 1994
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12065, Clifton Park, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,336 (100%) |
| Owner Occupied HU | 12,958 (63.7%) |
| Renter Occupied HU | 6,328 (31.1%) |
| Vacant Housing Units | 1,050 ( 5.2%) |
| Median Home Value | $419,875 |
| Average Home Value | $458,167 |
Housing Distribution
Address Breakdown
Residential
19,443
Single Family
15,664
Multi-Family
3,779
Businesses
2,030
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 1994
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12065, Clifton Park, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,336 (100%) |
| Owner Occupied HU | 12,958 (63.7%) |
| Renter Occupied HU | 6,328 (31.1%) |
| Vacant Housing Units | 1,050 ( 5.2%) |
| Median Home Value | $419,875 |
| Average Home Value | $458,167 |
Housing Distribution
Address Breakdown
Residential
19,443
Single Family
15,664
Multi-Family
3,779
Businesses
2,030
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices