126 Wid Nick AcresHeuveltonNY13654
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play126 Wid Nick Acres, Heuvelton, NY, 13654 in Heuvelton is priced for appreciation, not yield. Rental yield 5.02%. At $349,900 with a 5.02% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $96,671 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.93) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $77,338.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.2% |
| Monthly Cash Flow | $(873) | $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 | $1,464 |
| Total Monthly Debt Service | $2,197 |
| DSCR Ratio | 0.67x |
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.
Manufactured
Built in 2004
2.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13654, Heuvelton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,016 (100%) |
| Owner Occupied HU | 749 (73.7%) |
| Renter Occupied HU | 170 (16.7%) |
| Vacant Housing Units | 97 ( 9.5%) |
| Median Home Value | $164,549 |
| Average Home Value | $183,111 |
Housing Distribution
Address Breakdown
Residential
816
Single Family
792
Multi-Family
24
Businesses
38
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
Manufactured
Built in 2004
2.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13654, Heuvelton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,016 (100%) |
| Owner Occupied HU | 749 (73.7%) |
| Renter Occupied HU | 170 (16.7%) |
| Vacant Housing Units | 97 ( 9.5%) |
| Median Home Value | $164,549 |
| Average Home Value | $183,111 |
Housing Distribution
Address Breakdown
Residential
816
Single Family
792
Multi-Family
24
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices