15 Cayea RdPeruNY12972
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 15 Cayea Rd, Peru, NY, 12972 in Peru speaks for itself: 13.68% gross on a $173,500 price, generating $1,978/mo in rent and $819/mo in net income after the $780/mo debt service. DSCR 2.54, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,828 stacks alongside $47,935 in projected five-year appreciation and $1,598/yr in principal reduction. Projected total cumulative return: $118,917.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.7% | 6.2% |
| Monthly Cash Flow | $819 | $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 | $1,978 |
| Total Monthly Debt Service | $1,090 |
| DSCR Ratio | 1.82x |
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.
Manufactured
Built in 2002
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12972, Peru, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,623 (100%) |
| Owner Occupied HU | 1,861 (70.9%) |
| Renter Occupied HU | 504 (19.2%) |
| Vacant Housing Units | 258 ( 9.8%) |
| Median Home Value | $266,947 |
| Average Home Value | $315,027 |
Housing Distribution
Address Breakdown
Residential
2,368
Single Family
2,338
Multi-Family
30
Businesses
103
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
Manufactured
Built in 2002
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12972, Peru, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,623 (100%) |
| Owner Occupied HU | 1,861 (70.9%) |
| Renter Occupied HU | 504 (19.2%) |
| Vacant Housing Units | 258 ( 9.8%) |
| Median Home Value | $266,947 |
| Average Home Value | $315,027 |
Housing Distribution
Address Breakdown
Residential
2,368
Single Family
2,338
Multi-Family
30
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices