152 Middlefield RdEarltonNY12058
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow152 Middlefield Rd, Earlton, NY, 12058 in Earlton earns its strong cash-flow label: 20.24% yield, $2,359/mo rent, $1,425/mo net income, DSCR 3.75. The $139,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $38,652 by year five. Combined with $1,288/yr in principal paydown, total projected return reaches $145,060.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 20.2% | 6.2% |
| Monthly Cash Flow | $1,425 | $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 | $2,359 |
| Total Monthly Debt Service | $879 |
| DSCR Ratio | 2.69x |
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 1985
1.87 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12058, Earlton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 783 (100%) |
| Owner Occupied HU | 540 (69.0%) |
| Renter Occupied HU | 106 (13.5%) |
| Vacant Housing Units | 137 (17.5%) |
| Median Home Value | $337,302 |
| Average Home Value | $393,023 |
Housing Distribution
Address Breakdown
Residential
629
Single Family
629
Multi-Family
0
Businesses
15
Nearby investment properties with comparable rents
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 1985
1.87 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12058, Earlton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 783 (100%) |
| Owner Occupied HU | 540 (69.0%) |
| Renter Occupied HU | 106 (13.5%) |
| Vacant Housing Units | 137 (17.5%) |
| Median Home Value | $337,302 |
| Average Home Value | $393,023 |
Housing Distribution
Address Breakdown
Residential
629
Single Family
629
Multi-Family
0
Businesses
15
Nearby investment properties with comparable rents