905 Sierra Vista LaneValley CottageNY10989
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 905 Sierra Vista Lane, Valley Cottage, NY, 10989 in Valley Cottage is listed at $365,000 and delivers $3,294/mo in rent and $342/mo in net monthly cash flow. The 10.83% yield and 2.01 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $100,843 over five years, and $3,362/yr in principal reduction supplements cash return. Total projected cumulative return: $163,464.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $342 | $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 | $3,294 |
| Total Monthly Debt Service | $2,807 |
| DSCR Ratio | 1.17x |
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 1975
N/A lot
$N/A/sqft
$515 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10989, Valley Cottage, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,617 (100%) |
| Owner Occupied HU | 2,869 (79.3%) |
| Renter Occupied HU | 600 (16.6%) |
| Vacant Housing Units | 148 ( 4.1%) |
| Median Home Value | $580,926 |
| Average Home Value | $587,576 |
Housing Distribution
Address Breakdown
Residential
3,429
Single Family
2,424
Multi-Family
1,005
Businesses
266
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 1975
N/A lot
$N/A/sqft
$515 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10989, Valley Cottage, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,617 (100%) |
| Owner Occupied HU | 2,869 (79.3%) |
| Renter Occupied HU | 600 (16.6%) |
| Vacant Housing Units | 148 ( 4.1%) |
| Median Home Value | $580,926 |
| Average Home Value | $587,576 |
Housing Distribution
Address Breakdown
Residential
3,429
Single Family
2,424
Multi-Family
1,005
Businesses
266
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Denise M Rooney • Joyce Realty Corp
Mls Name: OneKey MLS
Mls Provider:
Mls ID: #858828
Disclaimer: Based on information submitted to the MLS GRID as of 2025-10-29 04:18:11 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#778)