13 Follett StOtegoNY13825
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 13 Follett St, Otego, NY, 13825 in Otego speaks for itself: 13.26% gross on a $279,000 price, generating $3,084/mo in rent and $1,221/mo in net income after the $1,255/mo debt service. DSCR 2.46, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,651 stacks alongside $77,083 in projected five-year appreciation and $2,570/yr in principal reduction. Projected total cumulative return: $184,952.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.3% | 6.2% |
| Monthly Cash Flow | $1,221 | $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 | $3,084 |
| Total Monthly Debt Service | $1,752 |
| DSCR Ratio | 1.76x |
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.
Multi Family
Built in 1900
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13825, Otego, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,666 (100%) |
| Owner Occupied HU | 1,112 (66.7%) |
| Renter Occupied HU | 264 (15.8%) |
| Vacant Housing Units | 290 (17.4%) |
| Median Home Value | $210,900 |
| Average Home Value | $231,174 |
Housing Distribution
Address Breakdown
Residential
1,257
Single Family
1,257
Multi-Family
0
Businesses
54
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
Multi Family
Built in 1900
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13825, Otego, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,666 (100%) |
| Owner Occupied HU | 1,112 (66.7%) |
| Renter Occupied HU | 264 (15.8%) |
| Vacant Housing Units | 290 (17.4%) |
| Median Home Value | $210,900 |
| Average Home Value | $231,174 |
Housing Distribution
Address Breakdown
Residential
1,257
Single Family
1,257
Multi-Family
0
Businesses
54
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices