58 Union StreetMontgomeryNY12549
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 58 Union Street, Montgomery, NY, 12549 in Montgomery earns a 9.45% gross yield at $419,000. Rent of $3,300/mo nets $502/mo after the $1,884/mo mortgage. The 1.75 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $115,762 and $3,859/yr in equity accumulation project a total cumulative return of $192,081.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $502 | $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 | $3,300 |
| Total Monthly Debt Service | $2,631 |
| DSCR Ratio | 1.25x |
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 1900
7,560 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12549, Montgomery, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,943 (100%) |
| Owner Occupied HU | 2,918 (74.0%) |
| Renter Occupied HU | 860 (21.8%) |
| Vacant Housing Units | 165 ( 4.2%) |
| Median Home Value | $464,516 |
| Average Home Value | $546,552 |
Housing Distribution
Address Breakdown
Residential
3,811
Single Family
3,683
Multi-Family
128
Businesses
477
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 1900
7,560 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12549, Montgomery, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,943 (100%) |
| Owner Occupied HU | 2,918 (74.0%) |
| Renter Occupied HU | 860 (21.8%) |
| Vacant Housing Units | 165 ( 4.2%) |
| Median Home Value | $464,516 |
| Average Home Value | $546,552 |
Housing Distribution
Address Breakdown
Residential
3,811
Single Family
3,683
Multi-Family
128
Businesses
477
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa M. Wade-Sebring • Hudson Valley Home Connection
Mls Name: OneKey MLS
Mls ID: #890211