119 West StBlack RiverNY13612
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 119 West St, Black River, NY, 13612 in Black River: $1,440/mo in rent, $445/mo in net income, 11.6% gross yield, 2.15 DSCR, all at $149,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $41,166 in appreciation and $1,372/yr in principal paydown projects total cumulative return of $85,492.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.2% |
| Monthly Cash Flow | $445 | $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 | $1,440 |
| Total Monthly Debt Service | $936 |
| DSCR Ratio | 1.54x |
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 1890
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13612, Black River, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,299 (100%) |
| Owner Occupied HU | 737 (56.7%) |
| Renter Occupied HU | 387 (29.8%) |
| Vacant Housing Units | 175 (13.5%) |
| Median Home Value | $223,975 |
| Average Home Value | $240,007 |
Housing Distribution
Address Breakdown
Residential
1,011
Single Family
893
Multi-Family
118
Businesses
57
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 1890
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13612, Black River, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,299 (100%) |
| Owner Occupied HU | 737 (56.7%) |
| Renter Occupied HU | 387 (29.8%) |
| Vacant Housing Units | 175 (13.5%) |
| Median Home Value | $223,975 |
| Average Home Value | $240,007 |
Housing Distribution
Address Breakdown
Residential
1,011
Single Family
893
Multi-Family
118
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices