139 Charlotte Creek RdOneontaNY13820
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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
Investment Highlights
Investment property for sale in Oneonta at 139 Charlotte Creek Rd, Oneonta, NY, 13820 earns $157/mo cash flow from $1,058/mo rent with a $660/mo payment. Total monthly income totals $1,058/mo, and annual cash flow totals $1,889/yr on $44,719 capital. ROI tracks 24.13% on current figures, and rental yield reads 9.41% at a $134,900 purchase. Equity gained on principal adds $870/yr, and 5% annual appreciation supports $37,270 over five years. Five-year ROI reaches 126.19% and total cumulative return in cash sums $56,429. Financing can be set up with Ziffy Mortgage’s DSCR loan, which is driven by $1,058/mo property income instead of your personal income.
Single Family
Built in 1860
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13820, Oneonta, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,072 (100%) |
| Owner Occupied HU | 4,415 (48.7%) |
| Renter Occupied HU | 3,140 (34.6%) |
| Vacant Housing Units | 1,517 (16.7%) |
| Median Home Value | $201,323 |
| Average Home Value | $244,517 |
Housing Distribution
Address Breakdown
Residential
8,152
Single Family
7,623
Multi-Family
529
Businesses
1,010
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