10054 Pratt RdHoughtonNY14744
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 10054 Pratt Rd, Houghton, NY, 14744 in Houghton is a conservative rental investment at $330,000. Rental yield 6.45%. A 1.20 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $91,173; $3,039/yr in principal paydown supplements. Total projected return: $98,259.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.2% |
| Monthly Cash Flow | $(429) | $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 | $1,775 |
| Total Monthly Debt Service | $2,072 |
| DSCR Ratio | 0.86x |
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 2000
27.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14744, Houghton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 530 (100%) |
| Owner Occupied HU | 314 (59.2%) |
| Renter Occupied HU | 107 (20.2%) |
| Vacant Housing Units | 109 (20.6%) |
| Median Home Value | $145,349 |
| Average Home Value | $172,349 |
Housing Distribution
Address Breakdown
Residential
438
Single Family
438
Multi-Family
0
Businesses
36
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 2000
27.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14744, Houghton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 530 (100%) |
| Owner Occupied HU | 314 (59.2%) |
| Renter Occupied HU | 107 (20.2%) |
| Vacant Housing Units | 109 (20.6%) |
| Median Home Value | $145,349 |
| Average Home Value | $172,349 |
Housing Distribution
Address Breakdown
Residential
438
Single Family
438
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices