94 Gina LaneSmallwoodNY12778
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 94 Gina Lane, Smallwood, NY, 12778 in Smallwood at $424,000, 5.09% gross yield, is a market-growth asset. Rental yield 5.09%. The $1,800/mo rent partially funds the $1,907/mo debt service; the core return is the 5%/yr price growth projected to add $117,143 over five years. Ziffy Mortgage's DSCR mortgage (0.94) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $95,287.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.2% |
| Monthly Cash Flow | $(1,031) | $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 | $1,800 |
| Total Monthly Debt Service | $2,663 |
| DSCR Ratio | 0.68x |
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 1990
1.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12778, Smallwood, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 730 (100%) |
| Owner Occupied HU | 194 (26.6%) |
| Renter Occupied HU | 39 ( 5.3%) |
| Vacant Housing Units | 497 (68.1%) |
| Median Home Value | $247,101 |
| Average Home Value | $364,433 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
23
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 1990
1.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12778, Smallwood, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 730 (100%) |
| Owner Occupied HU | 194 (26.6%) |
| Renter Occupied HU | 39 ( 5.3%) |
| Vacant Housing Units | 497 (68.1%) |
| Median Home Value | $247,101 |
| Average Home Value | $364,433 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices