13 Ko Ko LaneEast BerneNY12059
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 13 Ko Ko Lane, East Berne, NY, 12059 in East Berne delivers $3,929/mo in gross rent and $455/mo in net monthly income at a $322,800 entry. The 9.7% yield and 2.71 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $89,184 over five years and $2,973/yr in equity from loan paydown, total projected return is $236,739.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.2% |
| Monthly Cash Flow | $455 | $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 | $3,929 |
| Total Monthly Debt Service | $2,036 |
| DSCR Ratio | 1.93x |
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 1949
9,583 sqft lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12059, East Berne, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 696 (60.7%) |
| Renter Occupied HU | 106 ( 9.2%) |
| Vacant Housing Units | 345 (30.1%) |
| Median Home Value | $362,791 |
| Average Home Value | $389,397 |
Housing Distribution
Address Breakdown
Residential
695
Single Family
695
Multi-Family
0
Businesses
20
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 1949
9,583 sqft lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12059, East Berne, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 696 (60.7%) |
| Renter Occupied HU | 106 ( 9.2%) |
| Vacant Housing Units | 345 (30.1%) |
| Median Home Value | $362,791 |
| Average Home Value | $389,397 |
Housing Distribution
Address Breakdown
Residential
695
Single Family
695
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nicole Wilkie • Red Dog Realty
Mls Name: Global MLS
Mls Provider:
Mls ID: #202515273
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Judy Moriarty, Zillow, Inc., Corp. Broker