171 Gateway LnCooperstownNY13326
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 171 Gateway Ln, Cooperstown, NY, 13326 in Cooperstown is a conservative rental investment at $399,000. Rental yield 7.64%. A 1.34 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $110,236; $3,345/yr in principal paydown supplements. Total projected return: $136,627.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $(125) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,539 |
| Total Monthly Debt Service | $2,603 |
| DSCR Ratio | 0.98x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 2002
6.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13326, Cooperstown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,325 (100%) |
| Owner Occupied HU | 1,672 (50.3%) |
| Renter Occupied HU | 706 (21.2%) |
| Vacant Housing Units | 947 (28.5%) |
| Median Home Value | $371,429 |
| Average Home Value | $477,196 |
Housing Distribution
Address Breakdown
Residential
2,409
Single Family
2,330
Multi-Family
79
Businesses
374
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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
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Listed by: Margaret Savoie • DON OLIN REALTY INC
Mls Name: NY State MLS
Mls ID: #11578575
