16 Clum RoadJohnsonvilleNY12094
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 16 Clum Road, Johnsonville, NY, 12094 in Johnsonville deserves attention. This $325,000 property earns $2,928/mo in rent, a 10.81% gross yield, and nets $758/mo after the $1,461/mo payment. DSCR 2.00 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $89,792 compounds alongside $2,993/yr in yearly equity build, for a total cumulative return of $172,734.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $758 | $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 | $2,928 |
| Total Monthly Debt Service | $2,041 |
| DSCR Ratio | 1.43x |
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 1850
1.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12094, Johnsonville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 909 (100%) |
| Owner Occupied HU | 686 (75.5%) |
| Renter Occupied HU | 131 (14.4%) |
| Vacant Housing Units | 92 (10.1%) |
| Median Home Value | $247,685 |
| Average Home Value | $246,119 |
Housing Distribution
Address Breakdown
Residential
869
Single Family
869
Multi-Family
0
Businesses
14
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 1850
1.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12094, Johnsonville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 909 (100%) |
| Owner Occupied HU | 686 (75.5%) |
| Renter Occupied HU | 131 (14.4%) |
| Vacant Housing Units | 92 (10.1%) |
| Median Home Value | $247,685 |
| Average Home Value | $246,119 |
Housing Distribution
Address Breakdown
Residential
869
Single Family
869
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sara Miuccio • Miuccio Real Estate Group
Mls Name: Global MLS
Mls ID: #202527267