74 Mossy Brook RoadHigh FallsNY12440
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 74 Mossy Brook Road, High Falls, NY, 12440 in High Falls is straightforward: $449,000 in, $3,461/mo in rent, $463/mo out after debt service. The 9.25% gross yield and 1.71 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $124,050 by year five. With $4,135/yr in principal equity, the total cumulative return is projected at $201,020.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $463 | $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 | $3,461 |
| Total Monthly Debt Service | $2,820 |
| DSCR Ratio | 1.23x |
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
6 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12440, High Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,070 (100%) |
| Owner Occupied HU | 655 (61.2%) |
| Renter Occupied HU | 215 (20.1%) |
| Vacant Housing Units | 200 (18.7%) |
| Median Home Value | $481,111 |
| Average Home Value | $569,912 |
Housing Distribution
Address Breakdown
Residential
863
Single Family
863
Multi-Family
0
Businesses
73
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
6 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12440, High Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,070 (100%) |
| Owner Occupied HU | 655 (61.2%) |
| Renter Occupied HU | 215 (20.1%) |
| Vacant Housing Units | 200 (18.7%) |
| Median Home Value | $481,111 |
| Average Home Value | $569,912 |
Housing Distribution
Address Breakdown
Residential
863
Single Family
863
Multi-Family
0
Businesses
73
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Yuliya Charamnykh • Howard Hanna Rand Realty
Mls Name: OneKey MLS
Mls Provider:
Mls ID: #H6331158
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.