1642 Apulia RdLa FayetteNY13084
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1642 Apulia Rd, La Fayette, NY, 13084 in La Fayette at $199,900 earns $1,412/mo in rent and nets $78/mo after the $899/mo payment, a 8.48% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $55,229 over five years. Ziffy Mortgage underwrites this on a 1.57 DSCR without U.S. credit history. With $1,841/yr in principal paydown, total projected return reaches $81,206.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $78 | $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 | $1,412 |
| Total Monthly Debt Service | $1,255 |
| 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 1820
19.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13084, La Fayette, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,016 (100%) |
| Owner Occupied HU | 1,560 (77.4%) |
| Renter Occupied HU | 320 (15.9%) |
| Vacant Housing Units | 136 ( 6.7%) |
| Median Home Value | $253,203 |
| Average Home Value | $271,378 |
Housing Distribution
Address Breakdown
Residential
1,825
Single Family
1,603
Multi-Family
222
Businesses
124
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 1820
19.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13084, La Fayette, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,016 (100%) |
| Owner Occupied HU | 1,560 (77.4%) |
| Renter Occupied HU | 320 (15.9%) |
| Vacant Housing Units | 136 ( 6.7%) |
| Median Home Value | $253,203 |
| Average Home Value | $271,378 |
Housing Distribution
Address Breakdown
Residential
1,825
Single Family
1,603
Multi-Family
222
Businesses
124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Emily Haberek • Coldwell Banker Prime Prop,Inc
Mls Name: NYSAMLSs
Mls ID: #S1636293