1521 River RdClydeNY14433
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1521 River Rd, Clyde, NY, 14433 in Clyde is narrow, $84/mo net on $996/mo rent after the $614/mo debt service, but the property operates at break-even-plus, not a loss. At $136,500 with a 8.76% yield, the long-run equity case via 5% appreciation ($37,712 over five years) and $1,257/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.62 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $57,495.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $84 | $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 | $996 |
| Total Monthly Debt Service | $857 |
| DSCR Ratio | 1.16x |
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 1978
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14433, Clyde, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,989 (100%) |
| Owner Occupied HU | 1,356 (68.2%) |
| Renter Occupied HU | 456 (22.9%) |
| Vacant Housing Units | 177 ( 8.9%) |
| Median Home Value | $100,368 |
| Average Home Value | $175,260 |
Housing Distribution
Address Breakdown
Residential
1,721
Single Family
1,698
Multi-Family
23
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 1978
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14433, Clyde, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,989 (100%) |
| Owner Occupied HU | 1,356 (68.2%) |
| Renter Occupied HU | 456 (22.9%) |
| Vacant Housing Units | 177 ( 8.9%) |
| Median Home Value | $100,368 |
| Average Home Value | $175,260 |
Housing Distribution
Address Breakdown
Residential
1,721
Single Family
1,698
Multi-Family
23
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices