141 Cemetery RdBainbridgeNY13733
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 141 Cemetery Rd, Bainbridge, NY, 13733 in Bainbridge fits: $235,000, 5.51% gross yield, and a projected 5% annual appreciation rate adding $64,926 in value within five years. Rental yield 5.51%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.02) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $2,164/yr in principal paydown and $64,926 in appreciation project a total return of $58,100.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.2% |
| Monthly Cash Flow | $(489) | $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 | $1,080 |
| Total Monthly Debt Service | $1,476 |
| DSCR Ratio | 0.73x |
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.
Single Family
Built in 1960
1.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13733, Bainbridge, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,586 (100%) |
| Owner Occupied HU | 1,655 (64.0%) |
| Renter Occupied HU | 441 (17.1%) |
| Vacant Housing Units | 490 (18.9%) |
| Median Home Value | $165,320 |
| Average Home Value | $188,882 |
Housing Distribution
Address Breakdown
Residential
2,273
Single Family
2,257
Multi-Family
16
Businesses
122
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 1960
1.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13733, Bainbridge, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,586 (100%) |
| Owner Occupied HU | 1,655 (64.0%) |
| Renter Occupied HU | 441 (17.1%) |
| Vacant Housing Units | 490 (18.9%) |
| Median Home Value | $165,320 |
| Average Home Value | $188,882 |
Housing Distribution
Address Breakdown
Residential
2,273
Single Family
2,257
Multi-Family
16
Businesses
122
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Patrick S. McNeil • Keller Williams Upstate NY Properties
Mls Name: NYSAMLSs
Mls ID: #R1662225