14 State StOxfordNY13830
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $125,000, 14 State St, Oxford, NY, 13830 in Oxford generates $956/mo in rent (9.18% yield) but nets only $121/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.70) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $34,535. Total projected return: $55,519.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $121 | $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 | $956 |
| Total Monthly Debt Service | $785 |
| DSCR Ratio | 1.22x |
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 1850
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13830, Oxford, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,431 (100%) |
| Owner Occupied HU | 1,462 (60.1%) |
| Renter Occupied HU | 386 (15.9%) |
| Vacant Housing Units | 583 (24.0%) |
| Median Home Value | $138,910 |
| Average Home Value | $175,758 |
Housing Distribution
Address Breakdown
Residential
1,687
Single Family
1,687
Multi-Family
0
Businesses
112
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 1850
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13830, Oxford, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,431 (100%) |
| Owner Occupied HU | 1,462 (60.1%) |
| Renter Occupied HU | 386 (15.9%) |
| Vacant Housing Units | 583 (24.0%) |
| Median Home Value | $138,910 |
| Average Home Value | $175,758 |
Housing Distribution
Address Breakdown
Residential
1,687
Single Family
1,687
Multi-Family
0
Businesses
112
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ryan Woods • Howard Hanna
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #R1585757
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