13 Eldridge St SMongaup ValleyNY12762
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 13 Eldridge St S, Mongaup Valley, NY, 12762 in Mongaup Valley speaks for itself: 27.36% gross on a $100,800 price, generating $2,298/mo in rent and $1,625/mo in net income after the $453/mo debt service. DSCR 5.07, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $19,498 stacks alongside $27,849 in projected five-year appreciation and $928/yr in principal reduction. Projected total cumulative return: $143,056.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 27.4% | 6.2% |
| Monthly Cash Flow | $1,625 | $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 | $2,298 |
| Total Monthly Debt Service | $633 |
| DSCR Ratio | 3.63x |
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 1930
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12762, Mongaup Valley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 268 (100%) |
| Owner Occupied HU | 118 (44.0%) |
| Renter Occupied HU | 48 (17.9%) |
| Vacant Housing Units | 102 (38.1%) |
| Median Home Value | $290,000 |
| Average Home Value | $327,924 |
Housing Distribution
Address Breakdown
Residential
50
Single Family
50
Multi-Family
0
Businesses
20
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 1930
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12762, Mongaup Valley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 268 (100%) |
| Owner Occupied HU | 118 (44.0%) |
| Renter Occupied HU | 48 (17.9%) |
| Vacant Housing Units | 102 (38.1%) |
| Median Home Value | $290,000 |
| Average Home Value | $327,924 |
Housing Distribution
Address Breakdown
Residential
50
Single Family
50
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A