Lot 9 Timber DriveCochectonNY12726
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at Lot 9 Timber Drive, Cochecton, NY, 12726 in Cochecton. Priced at $104,500, it generates $3,161/mo in gross rent and $2,463/mo in net monthly cash flow, a 36.3% yield that comfortably supports the 6.73 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $29,556. Five-year appreciation: $28,871. Equity from principal paydown: $962/yr. Total projected cumulative return: $198,367.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 36.3% | 6.2% |
| Monthly Cash Flow | $2,463 | $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 | $3,161 |
| Total Monthly Debt Service | $656 |
| DSCR Ratio | 4.82x |
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.
Lot
Built in N/A
5.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12726, Cochecton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 886 (100%) |
| Owner Occupied HU | 458 (51.7%) |
| Renter Occupied HU | 121 (13.7%) |
| Vacant Housing Units | 307 (34.7%) |
| Median Home Value | $374,790 |
| Average Home Value | $427,707 |
Housing Distribution
Address Breakdown
Residential
537
Single Family
537
Multi-Family
0
Businesses
31
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
Lot
Built in N/A
5.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12726, Cochecton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 886 (100%) |
| Owner Occupied HU | 458 (51.7%) |
| Renter Occupied HU | 121 (13.7%) |
| Vacant Housing Units | 307 (34.7%) |
| Median Home Value | $374,790 |
| Average Home Value | $427,707 |
Housing Distribution
Address Breakdown
Residential
537
Single Family
537
Multi-Family
0
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices