12 Lilly Pond CirNorth ChiliNY14514
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 12 Lilly Pond Cir, North Chili, NY, 14514 in North Chili achieves 1.50, rent of $1,446/mo covers the $967/mo payment 1.5x over at $215,000. Rental yield 8.07%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $59,401 over five years, with $1,980/yr in principal reduction bringing total projected return to $64,648.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $(290) | $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 | $1,446 |
| Total Monthly Debt Service | $1,650 |
| DSCR Ratio | 0.88x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1995
2,178 sqft lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14514, North Chili, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,076 (100%) |
| Owner Occupied HU | 1,849 (60.1%) |
| Renter Occupied HU | 1,107 (36.0%) |
| Vacant Housing Units | 120 ( 3.9%) |
| Median Home Value | $229,065 |
| Average Home Value | $254,601 |
Housing Distribution
Address Breakdown
Residential
2,879
Single Family
2,491
Multi-Family
388
Businesses
146
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 1995
2,178 sqft lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14514, North Chili, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,076 (100%) |
| Owner Occupied HU | 1,849 (60.1%) |
| Renter Occupied HU | 1,107 (36.0%) |
| Vacant Housing Units | 120 ( 3.9%) |
| Median Home Value | $229,065 |
| Average Home Value | $254,601 |
Housing Distribution
Address Breakdown
Residential
2,879
Single Family
2,491
Multi-Family
388
Businesses
146
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stephen E. Wrobbel • Howard Hanna
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #R1665148
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