81 Otens RdWawarsingNY12428
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 81 Otens Rd, Wawarsing, NY, 12428 in Wawarsing hard to pass up. The 24.87% gross yield on a $141,143 purchase results in $2,926/mo in rent and $1,983/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (4.61). Annual cash flow of $23,797, five-year appreciation of $38,995, and $1,300/yr in equity build-up combine for a projected total cumulative return of $181,468.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 24.9% | 6.2% |
| Monthly Cash Flow | $1,983 | $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 | $2,926 |
| Total Monthly Debt Service | $886 |
| DSCR Ratio | 3.30x |
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 1996
2.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12428, Ellenville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,660 (100%) |
| Owner Occupied HU | 1,339 (36.6%) |
| Renter Occupied HU | 1,381 (37.7%) |
| Vacant Housing Units | 940 (25.7%) |
| Median Home Value | $253,611 |
| Average Home Value | $312,115 |
Housing Distribution
Address Breakdown
Residential
2,846
Single Family
2,520
Multi-Family
326
Businesses
322
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 1996
2.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12428, Ellenville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,660 (100%) |
| Owner Occupied HU | 1,339 (36.6%) |
| Renter Occupied HU | 1,381 (37.7%) |
| Vacant Housing Units | 940 (25.7%) |
| Median Home Value | $253,611 |
| Average Home Value | $312,115 |
Housing Distribution
Address Breakdown
Residential
2,846
Single Family
2,520
Multi-Family
326
Businesses
322
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices