13 N Main StAdamsNY13605
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.82% yield at 13 N Main St, Adams, NY, 13605 in Adams is solid, but the $495/mo payment compresses net cash flow to $165/mo at $110,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $30,391 by year five, and $1,013/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.82) without U.S. income documentation. Total projected return: $52,573.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $165 | $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 | $900 |
| Total Monthly Debt Service | $691 |
| DSCR Ratio | 1.30x |
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 1890
7,623 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13605, Adams, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,436 (100%) |
| Owner Occupied HU | 1,407 (57.8%) |
| Renter Occupied HU | 438 (18.0%) |
| Vacant Housing Units | 591 (24.3%) |
| Median Home Value | $215,392 |
| Average Home Value | $258,431 |
Housing Distribution
Address Breakdown
Residential
1,724
Single Family
1,616
Multi-Family
108
Businesses
92
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 1890
7,623 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13605, Adams, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,436 (100%) |
| Owner Occupied HU | 1,407 (57.8%) |
| Renter Occupied HU | 438 (18.0%) |
| Vacant Housing Units | 591 (24.3%) |
| Median Home Value | $215,392 |
| Average Home Value | $258,431 |
Housing Distribution
Address Breakdown
Residential
1,724
Single Family
1,616
Multi-Family
108
Businesses
92
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices