1186 County Highway 12LaurensNY13796
INVESTMENT ANALYSIS
Investment Verdict
Solid Income1186 County Highway 12, Laurens, NY, 13796 in Laurens earns a respectable 8.52% gross yield at $299,500, but after the $1,347/mo mortgage the net cash flow is $126/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.58) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $82,746 over five years, making equity the dominant return driver. Total projected return: $122,288.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $126 | $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 | $2,126 |
| Total Monthly Debt Service | $1,881 |
| DSCR Ratio | 1.13x |
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 1900
14.99 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13796, Laurens, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 682 (100%) |
| Owner Occupied HU | 429 (62.9%) |
| Renter Occupied HU | 109 (16.0%) |
| Vacant Housing Units | 144 (21.1%) |
| Median Home Value | $187,061 |
| Average Home Value | $262,960 |
Housing Distribution
Address Breakdown
Residential
460
Single Family
460
Multi-Family
0
Businesses
20
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 1900
14.99 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13796, Laurens, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 682 (100%) |
| Owner Occupied HU | 429 (62.9%) |
| Renter Occupied HU | 109 (16.0%) |
| Vacant Housing Units | 144 (21.1%) |
| Median Home Value | $187,061 |
| Average Home Value | $262,960 |
Housing Distribution
Address Breakdown
Residential
460
Single Family
460
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices