104 Marion AvenueSpeculatorNY12164
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 104 Marion Avenue, Speculator, NY, 12164 in Speculator earns a 10.31% gross yield at $239,000. Rent of $2,054/mo nets $458/mo after the $1,075/mo mortgage. The 1.91 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $66,031 and $2,201/yr in equity accumulation project a total cumulative return of $120,589.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $458 | $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 | $2,054 |
| Total Monthly Debt Service | $1,501 |
| DSCR Ratio | 1.37x |
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 1990
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12164, Speculator, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 742 (100%) |
| Owner Occupied HU | 177 (23.9%) |
| Renter Occupied HU | 34 ( 4.6%) |
| Vacant Housing Units | 531 (71.6%) |
| Median Home Value | $270,652 |
| Average Home Value | $320,113 |
Housing Distribution
Address Breakdown
Residential
11
Single Family
11
Multi-Family
0
Businesses
44
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 1990
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12164, Speculator, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 742 (100%) |
| Owner Occupied HU | 177 (23.9%) |
| Renter Occupied HU | 34 ( 4.6%) |
| Vacant Housing Units | 531 (71.6%) |
| Median Home Value | $270,652 |
| Average Home Value | $320,113 |
Housing Distribution
Address Breakdown
Residential
11
Single Family
11
Multi-Family
0
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Swift • Howard Hanna
Mls Name: Global MLS
Mls ID: #202526301