7 Maryland CourtStone RidgeNY12484
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 7 Maryland Court, Stone Ridge, NY, 12484 in Stone Ridge. Priced at $419,900, it generates $3,617/mo in gross rent and $813/mo in net monthly cash flow, a 10.34% yield that comfortably supports the 1.92 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,753. Five-year appreciation: $116,011. Equity from principal paydown: $3,867/yr. Total projected cumulative return: $212,488.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $813 | $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 | $3,617 |
| Total Monthly Debt Service | $2,637 |
| DSCR Ratio | 1.37x |
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.
Single Family
Built in 1958
1.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12484, Stone Ridge, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,524 (100%) |
| Owner Occupied HU | 1,083 (71.1%) |
| Renter Occupied HU | 211 (13.8%) |
| Vacant Housing Units | 230 (15.1%) |
| Median Home Value | $505,471 |
| Average Home Value | $588,823 |
Housing Distribution
Address Breakdown
Residential
1,246
Single Family
1,246
Multi-Family
0
Businesses
145
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 1958
1.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12484, Stone Ridge, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,524 (100%) |
| Owner Occupied HU | 1,083 (71.1%) |
| Renter Occupied HU | 211 (13.8%) |
| Vacant Housing Units | 230 (15.1%) |
| Median Home Value | $505,471 |
| Average Home Value | $588,823 |
Housing Distribution
Address Breakdown
Residential
1,246
Single Family
1,246
Multi-Family
0
Businesses
145
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: HVCRMLS
Mls ID: #20262278