649 County Road 95North BranchNY12766
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 649 County Road 95, North Branch, NY, 12766 in North Branch is capital appreciation. Rental yield 5.24%. The 5.24% gross yield at $885,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $244,509 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.97) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $205,771.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.2% |
| Monthly Cash Flow | $(2,046) | $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 | $3,864 |
| Total Monthly Debt Service | $5,558 |
| DSCR Ratio | 0.70x |
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 1990
43.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12766, North Branch, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 377 (100%) |
| Owner Occupied HU | 192 (50.9%) |
| Renter Occupied HU | 36 ( 9.5%) |
| Vacant Housing Units | 149 (39.5%) |
| Median Home Value | $370,652 |
| Average Home Value | $448,958 |
Housing Distribution
Address Breakdown
Residential
150
Single Family
150
Multi-Family
0
Businesses
10
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 1990
43.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12766, North Branch, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 377 (100%) |
| Owner Occupied HU | 192 (50.9%) |
| Renter Occupied HU | 36 ( 9.5%) |
| Vacant Housing Units | 149 (39.5%) |
| Median Home Value | $370,652 |
| Average Home Value | $448,958 |
Housing Distribution
Address Breakdown
Residential
150
Single Family
150
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Grimes • Country House Realty, Inc.
Mls Name: HVCRMLS
Mls Provider:
Mls ID: #20252315
Disclaimer: IDX information 2025 by the Hudson Valley Catskill Region MLS. All Rights Reserved. The data relating to real estate on this website comes in part from the IDX of the Hudson Valley Catskill Region MLS. Information is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.