1695 State Highway 8Mount UptonNY13809
INVESTMENT ANALYSIS
Investment Verdict
Solid Income1695 State Highway 8, Mount Upton, NY, 13809 in Mount Upton earns a respectable 9.19% gross yield at $160,000, but after the $719/mo mortgage the net cash flow is $157/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.70) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $44,205 over five years, making equity the dominant return driver. Total projected return: $71,128.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $157 | $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 | $1,225 |
| Total Monthly Debt Service | $1,005 |
| DSCR Ratio | 1.22x |
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 1885
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13809, Mount Upton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 852 (100%) |
| Owner Occupied HU | 551 (64.7%) |
| Renter Occupied HU | 98 (11.5%) |
| Vacant Housing Units | 203 (23.8%) |
| Median Home Value | $173,833 |
| Average Home Value | $197,695 |
Housing Distribution
Address Breakdown
Residential
629
Single Family
629
Multi-Family
0
Businesses
21
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 1885
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13809, Mount Upton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 852 (100%) |
| Owner Occupied HU | 551 (64.7%) |
| Renter Occupied HU | 98 (11.5%) |
| Vacant Housing Units | 203 (23.8%) |
| Median Home Value | $173,833 |
| Average Home Value | $197,695 |
Housing Distribution
Address Breakdown
Residential
629
Single Family
629
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NYSAMLSs
Mls ID: #R1669980