113 McCaffrey AvenueHagamanNY12086
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow113 McCaffrey Avenue, Hagaman, NY, 12086 in Hagaman is a top-tier cash-flow asset. At $209,000 it produces $2,028/mo in rent and $632/mo in net monthly income, a 11.64% gross rental yield. The DSCR of 2.16 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $7,588. Five-year appreciation adds $57,743, driving a total cumulative return of $120,398.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.2% |
| Monthly Cash Flow | $632 | $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 | $2,028 |
| Total Monthly Debt Service | $1,313 |
| DSCR Ratio | 1.55x |
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 1946
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12086, Hagaman, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 893 (100%) |
| Owner Occupied HU | 670 (75.0%) |
| Renter Occupied HU | 110 (12.3%) |
| Vacant Housing Units | 113 (12.7%) |
| Median Home Value | $290,476 |
| Average Home Value | $335,862 |
Housing Distribution
Address Breakdown
Residential
385
Single Family
385
Multi-Family
0
Businesses
34
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 1946
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12086, Hagaman, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 893 (100%) |
| Owner Occupied HU | 670 (75.0%) |
| Renter Occupied HU | 110 (12.3%) |
| Vacant Housing Units | 113 (12.7%) |
| Median Home Value | $290,476 |
| Average Home Value | $335,862 |
Housing Distribution
Address Breakdown
Residential
385
Single Family
385
Multi-Family
0
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices