61 Valley AvenueWaldenNY12586
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 61 Valley Avenue, Walden, NY, 12586 in Walden is a conservative rental investment at $389,999. Rental yield 6.37%. A 1.18 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $107,750; $3,592/yr in principal paydown supplements. Total projected return: $114,313.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.2% |
| Monthly Cash Flow | $(534) | $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 | $2,070 |
| Total Monthly Debt Service | $2,449 |
| DSCR Ratio | 0.85x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
7,501 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12586, Walden, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,008 (100%) |
| Owner Occupied HU | 3,316 (66.2%) |
| Renter Occupied HU | 1,333 (26.6%) |
| Vacant Housing Units | 359 ( 7.2%) |
| Median Home Value | $390,632 |
| Average Home Value | $451,604 |
Housing Distribution
Address Breakdown
Residential
4,816
Single Family
4,404
Multi-Family
412
Businesses
307
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
7,501 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12586, Walden, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,008 (100%) |
| Owner Occupied HU | 3,316 (66.2%) |
| Renter Occupied HU | 1,333 (26.6%) |
| Vacant Housing Units | 359 ( 7.2%) |
| Median Home Value | $390,632 |
| Average Home Value | $451,604 |
Housing Distribution
Address Breakdown
Residential
4,816
Single Family
4,404
Multi-Family
412
Businesses
307
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices