81 Ritter RoadStormvilleNY12582
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 81 Ritter Road, Stormville, NY, 12582 in Stormville. Rental yield 6.51%. The 1.21 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $140,627 and $4,688/yr in principal reduction project total return of $152,994.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.2% |
| Monthly Cash Flow | $(639) | $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 | $2,760 |
| Total Monthly Debt Service | $3,197 |
| DSCR Ratio | 0.86x |
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.
Single Family
Built in 1978
1.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12582, Stormville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,633 (100%) |
| Owner Occupied HU | 1,368 (83.8%) |
| Renter Occupied HU | 193 (11.8%) |
| Vacant Housing Units | 72 ( 4.4%) |
| Median Home Value | $502,037 |
| Average Home Value | $570,780 |
Housing Distribution
Address Breakdown
Residential
1,574
Single Family
1,574
Multi-Family
0
Businesses
91
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 1978
1.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12582, Stormville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,633 (100%) |
| Owner Occupied HU | 1,368 (83.8%) |
| Renter Occupied HU | 193 (11.8%) |
| Vacant Housing Units | 72 ( 4.4%) |
| Median Home Value | $502,037 |
| Average Home Value | $570,780 |
Housing Distribution
Address Breakdown
Residential
1,574
Single Family
1,574
Multi-Family
0
Businesses
91
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathie Deyoung • BHHS Hudson Valley Properties
Mls Name: OneKey MLS
Mls ID: #920143