1447 Route 78Java CenterNY14082
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.41% yield at 1447 Route 78, Java Center, NY, 14082 in Java Center is solid, but the $1,574/mo payment compresses net cash flow to $116/mo at $350,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $96,699 by year five, and $3,224/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.56) without U.S. income documentation. Total projected return: $140,911.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 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 Loan Qualification
| Monthly Rental Income | $2,453 |
| Total Monthly Debt Service | $2,198 |
| DSCR Ratio | 1.12x |
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
1.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14082, Java Center, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 179 (100%) |
| Owner Occupied HU | 126 (70.4%) |
| Renter Occupied HU | 25 (14.0%) |
| Vacant Housing Units | 28 (15.6%) |
| Median Home Value | $251,786 |
| Average Home Value | $299,365 |
Housing Distribution
Address Breakdown
Residential
150
Single Family
150
Multi-Family
0
Businesses
12
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
1.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14082, Java Center, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 179 (100%) |
| Owner Occupied HU | 126 (70.4%) |
| Renter Occupied HU | 25 (14.0%) |
| Vacant Housing Units | 28 (15.6%) |
| Median Home Value | $251,786 |
| Average Home Value | $299,365 |
Housing Distribution
Address Breakdown
Residential
150
Single Family
150
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Susan L Lesinski • HUNT Real Estate Corporation
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #B1587095
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