6 Hewitt StreetGarnervilleNY10923
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Garnerville rentals match the income profile of 6 Hewitt Street, Garnerville, NY, 10923. Listed at $378,400, gross rent is $3,180/mo and net cash flow is $653/mo, a 10.08% yield well above national averages. DSCR 1.87 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $104,545 by year five with $3,485/yr in annual principal reduction, projecting $186,321 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $653 | $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 | $3,180 |
| Total Monthly Debt Service | $2,376 |
| DSCR Ratio | 1.34x |
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
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10923, Garnerville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,277 (100%) |
| Owner Occupied HU | 2,048 (62.5%) |
| Renter Occupied HU | 1,123 (34.3%) |
| Vacant Housing Units | 106 ( 3.2%) |
| Median Home Value | $480,385 |
| Average Home Value | $514,423 |
Housing Distribution
Address Breakdown
Residential
2,993
Single Family
2,305
Multi-Family
688
Businesses
182
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
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10923, Garnerville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,277 (100%) |
| Owner Occupied HU | 2,048 (62.5%) |
| Renter Occupied HU | 1,123 (34.3%) |
| Vacant Housing Units | 106 ( 3.2%) |
| Median Home Value | $480,385 |
| Average Home Value | $514,423 |
Housing Distribution
Address Breakdown
Residential
2,993
Single Family
2,305
Multi-Family
688
Businesses
182
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices