68 Oxford CircleLoch SheldrakeNY12759
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 68 Oxford Circle, Loch Sheldrake, NY, 12759 in Loch Sheldrake achieves 1.75, rent of $903/mo covers the $517/mo payment 1.5x over at $115,000. Rental yield 9.42%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $31,772 over five years, with $1,059/yr in principal reduction bringing total projected return to $52,547.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $(695) | $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 | $903 |
| Total Monthly Debt Service | $722 |
| DSCR Ratio | 1.25x |
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.
Manufactured
Built in 1996
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12759, Loch Sheldrake, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,189 (100%) |
| Owner Occupied HU | 252 (21.2%) |
| Renter Occupied HU | 234 (19.7%) |
| Vacant Housing Units | 703 (59.1%) |
| Median Home Value | $289,344 |
| Average Home Value | $293,532 |
Housing Distribution
Address Breakdown
Residential
711
Single Family
407
Multi-Family
304
Businesses
60
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
Manufactured
Built in 1996
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12759, Loch Sheldrake, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,189 (100%) |
| Owner Occupied HU | 252 (21.2%) |
| Renter Occupied HU | 234 (19.7%) |
| Vacant Housing Units | 703 (59.1%) |
| Median Home Value | $289,344 |
| Average Home Value | $293,532 |
Housing Distribution
Address Breakdown
Residential
711
Single Family
407
Multi-Family
304
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: OneKey MLS as distributed by MLS GRID
Mls ID: #985347