125 Layton StLyonsNY14489
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 125 Layton St, Lyons, NY, 14489 in Lyons. Priced at $129,000, it generates $1,674/mo in gross rent and $813/mo in net monthly cash flow, a 15.57% yield that comfortably supports the 2.89 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,751. Five-year appreciation: $35,640. Equity from principal paydown: $1,188/yr. Total projected cumulative return: $101,484.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 15.6% | 6.2% |
| Monthly Cash Flow | $813 | $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 | $1,674 |
| Total Monthly Debt Service | $810 |
| DSCR Ratio | 2.07x |
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 2024
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14489, Lyons, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,351 (100%) |
| Owner Occupied HU | 2,043 (61.0%) |
| Renter Occupied HU | 888 (26.5%) |
| Vacant Housing Units | 420 (12.5%) |
| Median Home Value | $158,056 |
| Average Home Value | $214,900 |
Housing Distribution
Address Breakdown
Residential
2,900
Single Family
2,661
Multi-Family
239
Businesses
212
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 2024
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14489, Lyons, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,351 (100%) |
| Owner Occupied HU | 2,043 (61.0%) |
| Renter Occupied HU | 888 (26.5%) |
| Vacant Housing Units | 420 (12.5%) |
| Median Home Value | $158,056 |
| Average Home Value | $214,900 |
Housing Distribution
Address Breakdown
Residential
2,900
Single Family
2,661
Multi-Family
239
Businesses
212
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Deanna L Nissen • Griffith Realty Group
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #R1615326
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