90 Pines Dr #4-8DenverNY12421
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 90 Pines Dr #4-8, Denver, NY, 12421 in Denver speaks for itself: 10.31% gross on a $315,000 price, generating $2,707/mo in rent and $604/mo in net income after the $1,416/mo debt service. DSCR 1.91, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,244 stacks alongside $87,029 in projected five-year appreciation and $2,901/yr in principal reduction. Projected total cumulative return: $159,010.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $604 | $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 | $2,707 |
| Total Monthly Debt Service | $1,978 |
| 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.
Condo
Built in 1976
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12421, Denver, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 380 (100%) |
| Owner Occupied HU | 115 (30.3%) |
| Renter Occupied HU | 23 ( 6.1%) |
| Vacant Housing Units | 242 (63.7%) |
| Median Home Value | $318,000 |
| Average Home Value | $356,196 |
Housing Distribution
Address Breakdown
Residential
131
Single Family
131
Multi-Family
0
Businesses
3
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 1976
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12421, Denver, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 380 (100%) |
| Owner Occupied HU | 115 (30.3%) |
| Renter Occupied HU | 23 ( 6.1%) |
| Vacant Housing Units | 242 (63.7%) |
| Median Home Value | $318,000 |
| Average Home Value | $356,196 |
Housing Distribution
Address Breakdown
Residential
131
Single Family
131
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices