129 S Central AveMinoaNY13116
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Minoa rentals match the income profile of 129 S Central Ave, Minoa, NY, 13116. Listed at $169,000, gross rent is $2,155/mo and net cash flow is $1,026/mo, a 15.3% yield well above national averages. DSCR 2.84 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $46,692 by year five with $1,557/yr in annual principal reduction, projecting $130,495 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 15.3% | 6.2% |
| Monthly Cash Flow | $1,026 | $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 | $2,155 |
| Total Monthly Debt Service | $1,061 |
| DSCR Ratio | 2.03x |
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 1870
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13116, Minoa, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,484 (100%) |
| Owner Occupied HU | 1,082 (72.9%) |
| Renter Occupied HU | 358 (24.1%) |
| Vacant Housing Units | 44 ( 3.0%) |
| Median Home Value | $184,737 |
| Average Home Value | $204,214 |
Housing Distribution
Address Breakdown
Residential
1,484
Single Family
1,419
Multi-Family
65
Businesses
55
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 1870
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13116, Minoa, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,484 (100%) |
| Owner Occupied HU | 1,082 (72.9%) |
| Renter Occupied HU | 358 (24.1%) |
| Vacant Housing Units | 44 ( 3.0%) |
| Median Home Value | $184,737 |
| Average Home Value | $204,214 |
Housing Distribution
Address Breakdown
Residential
1,484
Single Family
1,419
Multi-Family
65
Businesses
55
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices