171 Murphy Jones RdJones rdNY12851
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 171 Murphy Jones Rd, Jones rd, NY, 12851 in Jones rd: $1,645/mo in rent, $310/mo in net income, 9.87% gross yield, 1.83 DSCR, all at $200,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $55,256 in appreciation and $1,842/yr in principal paydown projects total cumulative return of $96,239.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $310 | $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 | $1,645 |
| Total Monthly Debt Service | $1,256 |
| DSCR Ratio | 1.31x |
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 1996
8.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12851, Minerva, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 274 (100%) |
| Owner Occupied HU | 113 (41.2%) |
| Renter Occupied HU | 16 ( 5.8%) |
| Vacant Housing Units | 145 (52.9%) |
| Median Home Value | $236,250 |
| Average Home Value | $264,447 |
Housing Distribution
Address Breakdown
Residential
88
Single Family
88
Multi-Family
0
Businesses
16
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 1996
8.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12851, Minerva, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 274 (100%) |
| Owner Occupied HU | 113 (41.2%) |
| Renter Occupied HU | 16 ( 5.8%) |
| Vacant Housing Units | 145 (52.9%) |
| Median Home Value | $236,250 |
| Average Home Value | $264,447 |
Housing Distribution
Address Breakdown
Residential
88
Single Family
88
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Aaron Gadway • Gadway Realty
Mls Name: ACVMLS
Mls Provider:
Mls ID: #204529
Disclaimer: Listing data courtesy of the Internet Data Exchange (IDX) Program of the Adirondack Champlain Valley Multiple Listing Service. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listing information deemed reliable but not guaranteed.