14191 State StHarrisvilleNY13648
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 14191 State St, Harrisville, NY, 13648 in Harrisville deserves attention. This $131,400 property earns $1,524/mo in rent, a 13.92% gross yield, and nets $647/mo after the $591/mo payment. DSCR 2.58 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $36,303 compounds alongside $1,210/yr in yearly equity build, for a total cumulative return of $91,724.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.9% | 6.2% |
| Monthly Cash Flow | $647 | $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 | $1,524 |
| Total Monthly Debt Service | $825 |
| DSCR Ratio | 1.85x |
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13648, Harrisville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,791 (100%) |
| Owner Occupied HU | 795 (44.4%) |
| Renter Occupied HU | 178 ( 9.9%) |
| Vacant Housing Units | 818 (45.7%) |
| Median Home Value | $170,032 |
| Average Home Value | $213,912 |
Housing Distribution
Address Breakdown
Residential
783
Single Family
765
Multi-Family
18
Businesses
30
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13648, Harrisville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,791 (100%) |
| Owner Occupied HU | 795 (44.4%) |
| Renter Occupied HU | 178 ( 9.9%) |
| Vacant Housing Units | 818 (45.7%) |
| Median Home Value | $170,032 |
| Average Home Value | $213,912 |
Housing Distribution
Address Breakdown
Residential
783
Single Family
765
Multi-Family
18
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Zillow Rentals
Mls ID: #N/A