14081 Cramer RdRed CreekNY13143
INVESTMENT ANALYSIS
Investment Verdict
Solid Income14081 Cramer Rd, Red Creek, NY, 13143 in Red Creek earns a respectable 8.52% gross yield at $275,000, but after the $1,237/mo mortgage the net cash flow is $116/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.58) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $75,977 over five years, making equity the dominant return driver. Total projected return: $112,287.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $116 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,952 |
| Total Monthly Debt Service | $1,727 |
| DSCR Ratio | 1.13x |
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 1900
4.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13143, Red Creek, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,279 (100%) |
| Owner Occupied HU | 828 (64.7%) |
| Renter Occupied HU | 230 (18.0%) |
| Vacant Housing Units | 221 (17.3%) |
| Median Home Value | $174,603 |
| Average Home Value | $294,798 |
Housing Distribution
Address Breakdown
Residential
1,139
Single Family
1,139
Multi-Family
0
Businesses
46
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 1900
4.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13143, Red Creek, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,279 (100%) |
| Owner Occupied HU | 828 (64.7%) |
| Renter Occupied HU | 230 (18.0%) |
| Vacant Housing Units | 221 (17.3%) |
| Median Home Value | $174,603 |
| Average Home Value | $294,798 |
Housing Distribution
Address Breakdown
Residential
1,139
Single Family
1,139
Multi-Family
0
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices