16 Jennifer Ct · Haviland, NY 12601

$95,000

2 bd · 1.0 ba · 980 sqft · Manufactured · 93 Days on market

Built 1975 Good condition $97/sqft · 30% below area Est $136k · 30% under $725/mo HOA · 38% of rent ↓ 17% since listing

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Why this score? — see what drove the B- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +21.2/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +6.8/10.0
• Schools +4.7/10.0
• Condition / age +3.8/5.0
• Rent growth +3.4/5.0
• Livability +3.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Affordable, updated, and move-in ready — 16 Jennifer Ct in Hyde Park offers a rare opportunity to own for less than many local rentals. This renovated 2-bedroom, 1-bath mobile home features a spacious open-concept kitchen, dining, and living area with modern updates throughout. Perfect for first-time buyers, downsizers, or anyone looking for low-maintenance living at an affordable price point. Even with the lot fee/maintenance, monthly ownership may still be more affordable than renting locally. Financing is available through lenders specializing in mobile homes. Typical financing guidelines include approximately 10% down and a 650+ credit score. Conveniently located near shopping, dining, and commuter routes. If homeownership has felt out of reach, 16 Jennifer Ct may be the opportunity that changes that.

Key facts

• 2 parking spots
• Built 1975
• Listed 92 days

🏷️ Possibly a rental listed for sale. The $95,000 price doesn't fit this home's estimated sale value (~$136,065) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $95k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $138 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $95k).
• Recommended offer: $86k (9.0% below list) — sets the bar for market timing.
• Cap rate 8.0% vs local median 4.2% in Haviland — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 65/100 on livability (#712 in NY) — a middle-class / working-renter tenant base. Strengths: housing A+, crime A-, employment A-; Watch: cost of living C-, amenities F, commute F.
• Hyde Park Central School District (rural): math 43% / reading 62% proficiency, ranked #316 of 590 in NY (top 54%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+3.7%/yr); 189 active listings in the ZIP; 620 units permitted in Dutchess County in 2024 (242 in 5+ unit buildings).
• This rent runs 36% of the median local income ($64k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $657 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Dutchess County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 93 days — a 9% lower offer ($86k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: HOA is 38% of rent.

Recommended offer $86,450 (9.0% below list)

Questions for the listing agent

1. It's been on market 93 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 2.02% ✓
• Cap rate: 8.03%
• Cash-on-cash: 6.22%
• DSCR: 1.28
• GRM: 4.1

CMA / ARV

• ARV (median comp): $136,065
• List price: $95,000
• Delta: -30.18%
• Verdict: UNDERPRICED
• Comps: 3 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
74 Hidden Brook Dr	0.74mi	2/1.0	1,056 (+8%)	2mo	$145,000	$137	51
14 Perry Rd #14	0.72mi	2/2.0	1,056 (+8%)	9mo	$130,000	$123	42
52 Liberty Dr	0.70mi	3/2.0 (+1)	1,056 (+8%)	17mo	$156,000	$148	32

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.67% rent growth · sell at horizon

5-year hold

• IRR: -4.8%
• Equity multiple: 0.82×
• Total profit: $-4,836
• Equity at exit: $14,165

10-year hold

• IRR: 6.7%
• Equity multiple: 1.54×
• Total profit: $14,450
• Equity at exit: $8,214

Cash invested: $26,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 15 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City: — inherits STATE

NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.

Methodology + full state rankings →

ZIP-level market 12601

• Rents YoY: 3.7%
• Active inventory: 189
• Price-to-rent: 4.1×

Monthly cashflow live

• Estimated rent: $1,923 medium
• Mortgage (P&I): −$498
• Tax est. 1.5%: −$119 /mo · $1,425/yr
• Insurance: −$40
• HOA: −$725
• Vacancy / Maint / Mgmt: −$404
• Net cashflow: $138

Break-even live

Break-even rent $1,749

Max offer price $95,000

Occupancy floor 88%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $725 · $8,700/yr

Listing history 18 events

1. 2026-06-18
   days on market $95,000 Active 93 DOM
2. 2026-06-17
   days on market $95,000 Active 92 DOM
3. 2026-06-16
   days on market $95,000 Active 91 DOM
4. 2026-06-15
   days on market $95,000 Active 90 DOM
5. 2026-06-14
   days on market $95,000 Active 88 DOM
6. 2026-06-10
   days on market $95,000 Active 85 DOM
7. 2026-06-09
   days on market $95,000 Active 84 DOM
8. 2026-06-08
   days on market $95,000 Active 83 DOM
9. 2026-06-07
   days on market $95,000 Active 82 DOM
10. 2026-06-03
    days on market $95,000 Active 78 DOM
11. 2026-06-02
    days on market $95,000 Active 77 DOM
12. 2026-06-01
    days on market $95,000 Active 76 DOM
13. 2026-05-31
    days on market $95,000 Active 75 DOM
14. 2026-05-30
    days on market $95,000 Active 74 DOM
15. 2026-05-20
    price $95,000 825-char remark

    Show marketing remark (825 chars)

    Affordable, updated, and move-in ready — 16 Jennifer Ct in Hyde Park offers a rare opportunity to own for less than many local rentals. This renovated 2-bedroom, 1-bath mobile home features a spacious open-concept kitchen, dining, and living area with modern updates throughout. Perfect for first-time buyers, downsizers, or anyone looking for low-maintenance living at an affordable price point. Even with the lot fee/maintenance, monthly ownership may still be more affordable than renting locally. Financing is available through lenders specializing in mobile homes. Typical financing guidelines include approximately 10% down and a 650+ credit score. Conveniently located near shopping, dining, and commuter routes. If homeownership has felt out of reach, 16 Jennifer Ct may be the opportunity that changes that.

16. 2026-05-01
    price $105,000 825-char remark

    Show marketing remark (825 chars)

    Affordable, updated, and move-in ready — 16 Jennifer Ct in Hyde Park offers a rare opportunity to own for less than many local rentals. This renovated 2-bedroom, 1-bath mobile home features a spacious open-concept kitchen, dining, and living area with modern updates throughout. Perfect for first-time buyers, downsizers, or anyone looking for low-maintenance living at an affordable price point. Even with the lot fee/maintenance, monthly ownership may still be more affordable than renting locally. Financing is available through lenders specializing in mobile homes. Typical financing guidelines include approximately 10% down and a 650+ credit score. Conveniently located near shopping, dining, and commuter routes. If homeownership has felt out of reach, 16 Jennifer Ct may be the opportunity that changes that.

17. 2026-03-18
    listed $115,000 Active 825-char remark

    Show marketing remark (825 chars)

    Affordable, updated, and move-in ready — 16 Jennifer Ct in Hyde Park offers a rare opportunity to own for less than many local rentals. This renovated 2-bedroom, 1-bath mobile home features a spacious open-concept kitchen, dining, and living area with modern updates throughout. Perfect for first-time buyers, downsizers, or anyone looking for low-maintenance living at an affordable price point. Even with the lot fee/maintenance, monthly ownership may still be more affordable than renting locally. Financing is available through lenders specializing in mobile homes. Typical financing guidelines include approximately 10% down and a 650+ credit score. Conveniently located near shopping, dining, and commuter routes. If homeownership has felt out of reach, 16 Jennifer Ct may be the opportunity that changes that.

18. 2026-03-14
    historical $115,000 825-char remark

    Show marketing remark (825 chars)

    Affordable, updated, and move-in ready — 16 Jennifer Ct in Hyde Park offers a rare opportunity to own for less than many local rentals. This renovated 2-bedroom, 1-bath mobile home features a spacious open-concept kitchen, dining, and living area with modern updates throughout. Perfect for first-time buyers, downsizers, or anyone looking for low-maintenance living at an affordable price point. Even with the lot fee/maintenance, monthly ownership may still be more affordable than renting locally. Financing is available through lenders specializing in mobile homes. Typical financing guidelines include approximately 10% down and a 650+ credit score. Conveniently located near shopping, dining, and commuter routes. If homeownership has felt out of reach, 16 Jennifer Ct may be the opportunity that changes that.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 11% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,079
• − Mortgage interest: −$5,321
• − Property taxes: −$1,425
• − Insurance: −$475
• − Repairs & maintenance: −$1,846
• − Management: −$1,846
• − HOA: −$8,700
• − Depreciation: −$2,764
• Taxable income: $701
• Est. tax owed @ 24.0%: −$168
• After-tax cash flow: $1,486/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 1 photo

Good 75/100 Cosmetic rehab

This renovated mobile home is move-in ready with modern updates and a good condition score, making it an attractive option for buyers and renters alike.

Value-add opportunities

• Both Painting the exterior and interior — Enhances curb appeal and interior aesthetics.
• Both Landscaping the front yard — Improves curb appeal and adds value for both resale and rental.
• Both Upgrading the appliances — Modernizes the kitchen and enhances the home's appeal for both buyers and renters.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior and interior — Enhances curb appeal and interior aesthetics. ↑
• Both Landscaping the front yard — Improves curb appeal and adds value for both resale and rental. ↑
• Both Upgrading the appliances — Modernizes the kitchen and enhances the home's appeal for both buyers and renters. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Hyde Park Central School District
• NCES district ID: 3615180
• Math proficiency: 43% ▼ -3.00%
• Reading proficiency: 62% ▲ 15.00%
• Median HH income: $68,932
• Composite: 46.59/100
• National rank: #2421
• State rank: #316 of 590 in NY

Livability — Haviland

• Score: 65/100
• State rank: #712
• US rank: #13550

Category grades

Amenities F Commute F Cost of living C- Crime A- Employment A- Housing A+ Health & safety D- User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Haviland, NY
• County: Dutchess County · 188,048 people
• Metro: Poughkeepsie-Newburgh-Middletown, NY
• Population (ZIP): 44,164
• Household income: $63,652
• Rent vs Own: 56.8% rent · 43.2% own
• Severe rent burden: 2891.0

Population outlook (Dutchess County) Hauer SSP2

• Today (2025): 291,768 people
• By 2030: 287,131 · -1.6%
• By 2040: 274,881 · -5.8%
• By 2050: 259,971 · -10.9%
• By 2075: 235,366 · -19.3%
• By 2100: 208,786 · -28.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 44% Black 24% Hispanic / Latino 22% Two or more races 17% Asian 3%
• Hispanic origin (detail): Mexican 8% Puerto Rican 5% Dominican 1%
• Common ancestry: Romanian 3% Iranian 1% Lithuanian 1%
• Foreign-born: 19% · Canada, China
• Languages at home: 79% English-only · Spanish 15% Other Indo-European 1% Chinese 1%

Political lean MEDSL · Dutchess

• 2024 margin: Lean D (+5.4) · D 52.7% · R 47.3%
• 2008→2024 swing: -3.2pp toward R · 2008: 8.6pp · 2024: 5.4pp
• All cycles: 2024: D+5.4 2020: D+9.6 2016: R+1.1 2012: D+6.6 2008: D+8.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -210.62%
• Current HPI: 293.9789
• Rent YoY: ▲ 3.67%
• Metro: Poughkeepsie-Newburgh-Middletown, NY
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

Industry mix (Fortune 500 HQ in NY)

Industry	F500 HQs	Revenue
▸Financial Services	10	$950B
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

-17.4% since first listed

4 events — show timeline

• 2026-05-20 Price Changed $95,000 OneKey® MLS as Distributed by MLS Grid
• 2026-05-01 Price Changed $105,000 OneKey® MLS as Distributed by MLS Grid
• 2026-03-18 Listed $115,000 OneKey® MLS as Distributed by MLS Grid
• 2026-03-14 Coming Soon $115,000 OneKey® MLS as Distributed by MLS Grid