11 North StreetValley FallsNY12185
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Valley Falls rentals match the income profile of 11 North Street, Valley Falls, NY, 12185. Listed at $175,000, gross rent is $2,424/mo and net cash flow is $1,255/mo, a 16.62% yield well above national averages. DSCR 3.08 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $48,349 by year five with $1,612/yr in annual principal reduction, projecting $147,525 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 16.6% | 6.2% |
| Monthly Cash Flow | $1,255 | $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 | $2,424 |
| Total Monthly Debt Service | $1,099 |
| DSCR Ratio | 2.21x |
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 1875
0.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12185, Valley Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 876 (100%) |
| Owner Occupied HU | 655 (74.8%) |
| Renter Occupied HU | 140 (16.0%) |
| Vacant Housing Units | 81 ( 9.2%) |
| Median Home Value | $236,738 |
| Average Home Value | $247,065 |
Housing Distribution
Address Breakdown
Residential
711
Single Family
711
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 1875
0.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12185, Valley Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 876 (100%) |
| Owner Occupied HU | 655 (74.8%) |
| Renter Occupied HU | 140 (16.0%) |
| Vacant Housing Units | 81 ( 9.2%) |
| Median Home Value | $236,738 |
| Average Home Value | $247,065 |
Housing Distribution
Address Breakdown
Residential
711
Single Family
711
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices