2 James StOneontaNY13820
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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
Investment Highlights
Investment property for sale in Oneonta at 2 James St, Oneonta, NY, 13820 with 5% annual appreciation on a $149,000 basis while $1,151/mo rent supports operations. Total monthly income totals $1,151/mo and a $729/mo payment preserves $156/mo for cash returns. Annual cash flow comes to $1,875/yr on $49,394 deployed, and return on cash invested reaches 23.71% in year one. Equity gained on principal adds $961/yr, and five-year appreciation sums $41,166 alongside rental yield of 9.27%. Five-year ROI measures 123.91% and total cumulative return in cash totals $61,204.
Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $1,151/mo property income versus a $729/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Single Family
Built in 1930
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13820, Oneonta, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,072 (100%) |
| Owner Occupied HU | 4,415 (48.7%) |
| Renter Occupied HU | 3,140 (34.6%) |
| Vacant Housing Units | 1,517 (16.7%) |
| Median Home Value | $201,323 |
| Average Home Value | $244,517 |
Housing Distribution
Address Breakdown
Residential
8,152
Single Family
7,623
Multi-Family
529
Businesses
1,010
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