622 Creekside LaneFishkillNY12524
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 622 Creekside Lane, Fishkill, NY, 12524 in Fishkill at $663,000, 5.54% gross yield, is a market-growth asset. Rental yield 5.54%. The $3,958/mo rent partially funds the $2,981/mo debt service; the core return is the 5%/yr price growth projected to add $183,175 over five years. Ziffy Mortgage's DSCR mortgage (1.33) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $193,232.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.2% |
| Monthly Cash Flow | $(1,884) | $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 | $3,958 |
| Total Monthly Debt Service | $4,654 |
| 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.
Townhouse
Built in 2005
436 sqft lot
$N/A/sqft
$490 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12524, Fishkill, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,770 (100%) |
| Owner Occupied HU | 4,508 (66.6%) |
| Renter Occupied HU | 1,892 (27.9%) |
| Vacant Housing Units | 370 ( 5.5%) |
| Median Home Value | $438,730 |
| Average Home Value | $456,326 |
Housing Distribution
Address Breakdown
Residential
6,560
Single Family
5,578
Multi-Family
982
Businesses
769
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
Townhouse
Built in 2005
436 sqft lot
$N/A/sqft
$490 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12524, Fishkill, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,770 (100%) |
| Owner Occupied HU | 4,508 (66.6%) |
| Renter Occupied HU | 1,892 (27.9%) |
| Vacant Housing Units | 370 ( 5.5%) |
| Median Home Value | $438,730 |
| Average Home Value | $456,326 |
Housing Distribution
Address Breakdown
Residential
6,560
Single Family
5,578
Multi-Family
982
Businesses
769
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Vincent M. McGough • McGough Realty Corp
Mls Name: OneKey MLS
Mls Provider:
Mls ID: #859586
Disclaimer: Based on information submitted to the MLS GRID as of 2025-10-20 04:58:02 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#778)