68 Tivoli Gardens #68TivoliNY12583
INVESTMENT ANALYSIS
Investment Verdict
Solid Income68 Tivoli Gardens #68, Tivoli, NY, 12583 in Tivoli carries a 1.57 coverage ratio, rent of $2,120/mo is 1.57 times the $1,349/mo payment. Rental yield 8.43%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $299,999 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $82,884; total projected cumulative return: $103,288.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $(206) | $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 | $2,120 |
| Total Monthly Debt Service | $2,194 |
| DSCR Ratio | 0.97x |
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.
Condo
Built in 1989
436 sqft lot
$N/A/sqft
$310 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12583, Tivoli, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 689 (60.1%) |
| Renter Occupied HU | 329 (28.7%) |
| Vacant Housing Units | 129 (11.2%) |
| Median Home Value | $556,865 |
| Average Home Value | $634,586 |
Housing Distribution
Address Breakdown
Residential
823
Single Family
823
Multi-Family
0
Businesses
65
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
Condo
Built in 1989
436 sqft lot
$N/A/sqft
$310 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12583, Tivoli, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 689 (60.1%) |
| Renter Occupied HU | 329 (28.7%) |
| Vacant Housing Units | 129 (11.2%) |
| Median Home Value | $556,865 |
| Average Home Value | $634,586 |
Housing Distribution
Address Breakdown
Residential
823
Single Family
823
Multi-Family
0
Businesses
65
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christian D. Baez • Keller Williams Hudson Valley
Mls Name: OneKey MLS
Mls Provider:
Mls ID: #845929
Disclaimer: The data relating to real estate for sale or lease on this web site comes in part from OneKey MLS. Real estate listings held by brokerage firms other than Zillow, Inc are marked with the OneKey MLS logo or an abbreviated logo and detailed information about them includes the name of the listing broker. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2025 OneKey MLS. All rights reserved.