114 Laura CtChittenangoNY13037
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.21% yield at 114 Laura Ct, Chittenango, NY, 13037 in Chittenango is solid, but the $1,124/mo payment compresses net cash flow to $41/mo at $249,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $69,043 by year five, and $2,302/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.52) without U.S. income documentation. Total projected return: $97,961.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $41 | $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 | $1,710 |
| Total Monthly Debt Service | $1,569 |
| DSCR Ratio | 1.09x |
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 1964
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13037, Chittenango, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,875 (100%) |
| Owner Occupied HU | 2,832 (73.1%) |
| Renter Occupied HU | 824 (21.3%) |
| Vacant Housing Units | 219 ( 5.7%) |
| Median Home Value | $246,088 |
| Average Home Value | $264,097 |
Housing Distribution
Address Breakdown
Residential
3,813
Single Family
3,430
Multi-Family
383
Businesses
214
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 1964
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13037, Chittenango, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,875 (100%) |
| Owner Occupied HU | 2,832 (73.1%) |
| Renter Occupied HU | 824 (21.3%) |
| Vacant Housing Units | 219 ( 5.7%) |
| Median Home Value | $246,088 |
| Average Home Value | $264,097 |
Housing Distribution
Address Breakdown
Residential
3,813
Single Family
3,430
Multi-Family
383
Businesses
214
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Peter L. Denney • Howard Hanna Real Estate
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #S1663701
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