6 Patterson StreetPt JervisNY12771
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 6 Patterson Street, Pt Jervis, NY, 12771 in Pt Jervis speaks for itself: 11.45% gross on a $220,000 price, generating $2,100/mo in rent and $631/mo in net income after the $989/mo debt service. DSCR 2.12, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,571 stacks alongside $60,782 in projected five-year appreciation and $2,026/yr in principal reduction. Projected total cumulative return: $124,526.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.2% |
| Monthly Cash Flow | $631 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,100 |
| Total Monthly Debt Service | $1,382 |
| DSCR Ratio | 1.52x |
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 1890
1,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12771, Port Jervis, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,373 (100%) |
| Owner Occupied HU | 3,296 (51.7%) |
| Renter Occupied HU | 2,361 (37.0%) |
| Vacant Housing Units | 716 (11.2%) |
| Median Home Value | $314,369 |
| Average Home Value | $357,137 |
Housing Distribution
Address Breakdown
Residential
5,635
Single Family
5,226
Multi-Family
409
Businesses
456
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 1890
1,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12771, Port Jervis, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,373 (100%) |
| Owner Occupied HU | 3,296 (51.7%) |
| Renter Occupied HU | 2,361 (37.0%) |
| Vacant Housing Units | 716 (11.2%) |
| Median Home Value | $314,369 |
| Average Home Value | $357,137 |
Housing Distribution
Address Breakdown
Residential
5,635
Single Family
5,226
Multi-Family
409
Businesses
456
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices