144 Sanford Ave #AClintonNY13323
INVESTMENT ANALYSIS
Investment Verdict
Solid Income144 Sanford Ave #A, Clinton, NY, 13323 in Clinton is a solid income-producing rental, 9.36% gross yield, $3,120/mo rent, $450/mo net cash flow on a $399,900 buy. DSCR 1.74 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $110,485 and $3,683/yr in principal reduction project a total cumulative return of $181,417.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $450 | $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 | $3,120 |
| Total Monthly Debt Service | $2,511 |
| DSCR Ratio | 1.24x |
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 1992
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13323, Clinton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,024 (100%) |
| Owner Occupied HU | 3,163 (63.0%) |
| Renter Occupied HU | 1,440 (28.7%) |
| Vacant Housing Units | 421 ( 8.4%) |
| Median Home Value | $259,185 |
| Average Home Value | $270,813 |
Housing Distribution
Address Breakdown
Residential
4,509
Single Family
4,088
Multi-Family
421
Businesses
326
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 1992
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13323, Clinton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,024 (100%) |
| Owner Occupied HU | 3,163 (63.0%) |
| Renter Occupied HU | 1,440 (28.7%) |
| Vacant Housing Units | 421 ( 8.4%) |
| Median Home Value | $259,185 |
| Average Home Value | $270,813 |
Housing Distribution
Address Breakdown
Residential
4,509
Single Family
4,088
Multi-Family
421
Businesses
326
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices