19 County Route 1WesterloNY12193
INVESTMENT ANALYSIS
Investment Verdict
Solid Income19 County Route 1, Westerlo, NY, 12193 in Westerlo is a solid income-producing rental, 9.94% gross yield, $3,107/mo rent, $603/mo net cash flow on a $375,000 buy. DSCR 1.75 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $103,606 and $3,144/yr in principal reduction project a total cumulative return of $174,747.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $603 | $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 | $3,107 |
| Total Monthly Debt Service | $2,446 |
| DSCR Ratio | 1.27x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1895
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12193, Westerlo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 935 (100%) |
| Owner Occupied HU | 691 (73.9%) |
| Renter Occupied HU | 111 (11.9%) |
| Vacant Housing Units | 133 (14.2%) |
| Median Home Value | $322,789 |
| Average Home Value | $353,795 |
Housing Distribution
Address Breakdown
Residential
840
Single Family
840
Multi-Family
0
Businesses
21
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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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