135 Willow StSharon SpringsNY13459
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.4% gross rental yield, 135 Willow St, Sharon Springs, NY, 13459 in Sharon Springs is priced for capital growth, not immediate cash flow. The $319,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $88,134 by year five, with $2,938/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.00) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $77,031.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.2% |
| Monthly Cash Flow | $(694) | $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 | $1,436 |
| Total Monthly Debt Service | $2,003 |
| DSCR Ratio | 0.72x |
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.
Multi Family
Built in 1920
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13459, Sharon Springs, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,078 (100%) |
| Owner Occupied HU | 698 (64.7%) |
| Renter Occupied HU | 195 (18.1%) |
| Vacant Housing Units | 185 (17.2%) |
| Median Home Value | $216,216 |
| Average Home Value | $263,456 |
Housing Distribution
Address Breakdown
Residential
819
Single Family
795
Multi-Family
24
Businesses
72
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 1920
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13459, Sharon Springs, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,078 (100%) |
| Owner Occupied HU | 698 (64.7%) |
| Renter Occupied HU | 195 (18.1%) |
| Vacant Housing Units | 185 (17.2%) |
| Median Home Value | $216,216 |
| Average Home Value | $263,456 |
Housing Distribution
Address Breakdown
Residential
819
Single Family
795
Multi-Family
24
Businesses
72
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marina Vaygensberg • Superior Realty Service
Mls Name: BNYMLS
Mls ID: #495146