123 County Route 8FultonNY13069
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 123 County Route 8, Fulton, NY, 13069 in Fulton. Rental yield 5.25%. At $598,000 with 5.25% gross yield, current distributions are modest, but the 5% appreciation rate projects $165,216 in new equity by year five, complemented by $5,508/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.97) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $139,536.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.2% |
| Monthly Cash Flow | $(1,375) | $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 | $2,618 |
| Total Monthly Debt Service | $3,755 |
| DSCR Ratio | 0.70x |
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 1985
32.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13069, Fulton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,840 (100%) |
| Owner Occupied HU | 6,607 (61.0%) |
| Renter Occupied HU | 3,183 (29.4%) |
| Vacant Housing Units | 1,050 ( 9.7%) |
| Median Home Value | $135,944 |
| Average Home Value | $177,967 |
Housing Distribution
Address Breakdown
Residential
10,038
Single Family
9,470
Multi-Family
568
Businesses
561
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 1985
32.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13069, Fulton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,840 (100%) |
| Owner Occupied HU | 6,607 (61.0%) |
| Renter Occupied HU | 3,183 (29.4%) |
| Vacant Housing Units | 1,050 ( 9.7%) |
| Median Home Value | $135,944 |
| Average Home Value | $177,967 |
Housing Distribution
Address Breakdown
Residential
10,038
Single Family
9,470
Multi-Family
568
Businesses
561
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices