6321 State Route 97NarrowsburgNY12764
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 6321 State Route 97, Narrowsburg, NY, 12764 in Narrowsburg fits: $599,999, 3.24% gross yield, and a projected 5% annual appreciation rate adding $165,769 in value within five years. Rental yield 3.24%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.60) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,526/yr in principal paydown and $165,769 in appreciation project a total return of $75,188.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 6.2% |
| Monthly Cash Flow | $(2,387) | $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 | $1,620 |
| Total Monthly Debt Service | $3,768 |
| DSCR Ratio | 0.43x |
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.
Multi Family
Built in 1935
11.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12764, Narrowsburg, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,556 (100%) |
| Owner Occupied HU | 701 (45.1%) |
| Renter Occupied HU | 156 (10.0%) |
| Vacant Housing Units | 699 (44.9%) |
| Median Home Value | $346,765 |
| Average Home Value | $435,934 |
Housing Distribution
Address Breakdown
Residential
948
Single Family
948
Multi-Family
0
Businesses
100
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
Multi Family
Built in 1935
11.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12764, Narrowsburg, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,556 (100%) |
| Owner Occupied HU | 701 (45.1%) |
| Renter Occupied HU | 156 (10.0%) |
| Vacant Housing Units | 699 (44.9%) |
| Median Home Value | $346,765 |
| Average Home Value | $435,934 |
Housing Distribution
Address Breakdown
Residential
948
Single Family
948
Multi-Family
0
Businesses
100
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Eidel Moses • Rodeo Realty Inc
Mls Name: OneKey MLS
Mls ID: #963125