117 Pine StreetWest HurleyNY12491
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 117 Pine Street, West Hurley, NY, 12491 in West Hurley. Priced at $349,000, it generates $4,952/mo in gross rent and $2,622/mo in net monthly cash flow, a 17.03% yield that comfortably supports the 3.16 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $31,462. Five-year appreciation: $96,422. Equity from principal paydown: $3,214/yr. Total projected cumulative return: $301,802.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 17% | 6.2% |
| Monthly Cash Flow | $2,622 | $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 | $4,952 |
| Total Monthly Debt Service | $2,192 |
| DSCR Ratio | 2.26x |
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 1959
0.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12491, West Hurley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 819 (100%) |
| Owner Occupied HU | 603 (73.6%) |
| Renter Occupied HU | 126 (15.4%) |
| Vacant Housing Units | 90 (11.0%) |
| Median Home Value | $443,631 |
| Average Home Value | $540,319 |
Housing Distribution
Address Breakdown
Residential
893
Single Family
893
Multi-Family
0
Businesses
64
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 1959
0.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12491, West Hurley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 819 (100%) |
| Owner Occupied HU | 603 (73.6%) |
| Renter Occupied HU | 126 (15.4%) |
| Vacant Housing Units | 90 (11.0%) |
| Median Home Value | $443,631 |
| Average Home Value | $540,319 |
Housing Distribution
Address Breakdown
Residential
893
Single Family
893
Multi-Family
0
Businesses
64
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices