Lot 2 Tuthills Plan, The Reserve at JamesportJamesportNY11947
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at Lot 2 Tuthills Plan, The Reserve at Jamesport, Jamesport, NY, 11947 in Jamesport the bet is firmly on appreciation. Rental yield 3.53%. The 3.53% gross yield on a $1,750,000 price is below income-first thresholds, but 5%/yr value growth projects $483,493 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.65) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $246,586.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.2% |
| Monthly Cash Flow | $(6,538) | $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 | $5,148 |
| Total Monthly Debt Service | $10,990 |
| DSCR Ratio | 0.47x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11947, Jamesport, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 61 (100%) |
| Owner Occupied HU | 26 (42.6%) |
| Renter Occupied HU | 10 (16.4%) |
| Vacant Housing Units | 25 (41.0%) |
| Median Home Value | $729,167 |
| Average Home Value | $719,231 |
Housing Distribution
Address Breakdown
Residential
20
Single Family
20
Multi-Family
0
Businesses
102
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11947, Jamesport, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 61 (100%) |
| Owner Occupied HU | 26 (42.6%) |
| Renter Occupied HU | 10 (16.4%) |
| Vacant Housing Units | 25 (41.0%) |
| Median Home Value | $729,167 |
| Average Home Value | $719,231 |
Housing Distribution
Address Breakdown
Residential
20
Single Family
20
Multi-Family
0
Businesses
102
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices