140 South RdScottsvilleNY14546
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 140 South Rd, Scottsville, NY, 14546 in Scottsville hard to pass up. The 17.05% gross yield on a $329,900 purchase results in $4,688/mo in rent and $2,485/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (3.16). Annual cash flow of $29,825, five-year appreciation of $91,145, and $3,038/yr in equity build-up combine for a projected total cumulative return of $285,751.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 17.1% | 6.2% |
| Monthly Cash Flow | $2,485 | $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 | $4,688 |
| Total Monthly Debt Service | $2,072 |
| DSCR Ratio | 2.26x |
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 1976
2.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14546, Scottsville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,215 (100%) |
| Owner Occupied HU | 1,511 (68.2%) |
| Renter Occupied HU | 600 (27.1%) |
| Vacant Housing Units | 104 ( 4.7%) |
| Median Home Value | $231,973 |
| Average Home Value | $275,609 |
Housing Distribution
Address Breakdown
Residential
2,123
Single Family
2,087
Multi-Family
36
Businesses
129
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 1976
2.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14546, Scottsville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,215 (100%) |
| Owner Occupied HU | 1,511 (68.2%) |
| Renter Occupied HU | 600 (27.1%) |
| Vacant Housing Units | 104 ( 4.7%) |
| Median Home Value | $231,973 |
| Average Home Value | $275,609 |
Housing Distribution
Address Breakdown
Residential
2,123
Single Family
2,087
Multi-Family
36
Businesses
129
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices