Trilogy 4 Plan, Summit RidgeMechanicvilleNY12118
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTrilogy 4 Plan, Summit Ridge, Mechanicville, NY, 12118 in Mechanicville earns a respectable 8.3% gross yield at $671,400, but after the $3,019/mo mortgage the net cash flow is $163/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.54) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $185,495 over five years, making equity the dominant return driver. Total projected return: $266,478.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $163 | $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 | $4,646 |
| Total Monthly Debt Service | $4,216 |
| DSCR Ratio | 1.10x |
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.
Single Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12118, Mechanicville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,358 (100%) |
| Owner Occupied HU | 5,056 (54.0%) |
| Renter Occupied HU | 3,460 (37.0%) |
| Vacant Housing Units | 842 ( 9.0%) |
| Median Home Value | $388,614 |
| Average Home Value | $445,691 |
Housing Distribution
Address Breakdown
Residential
7,595
Single Family
7,330
Multi-Family
265
Businesses
282
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: 12118, Mechanicville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,358 (100%) |
| Owner Occupied HU | 5,056 (54.0%) |
| Renter Occupied HU | 3,460 (37.0%) |
| Vacant Housing Units | 842 ( 9.0%) |
| Median Home Value | $388,614 |
| Average Home Value | $445,691 |
Housing Distribution
Address Breakdown
Residential
7,595
Single Family
7,330
Multi-Family
265
Businesses
282
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Marini Homes, LLC
Mls Name: Marini Homes, LLC
Mls ID: #N/A