20 Cemetery StWinthropNY13697
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 20 Cemetery St, Winthrop, NY, 13697 in Winthrop at $119,000 earns $950/mo in rent and nets $155/mo after the $535/mo payment, a 9.58% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $32,878 over five years. Ziffy Mortgage underwrites this on a 1.78 DSCR without U.S. credit history. With $1,096/yr in principal paydown, total projected return reaches $55,385.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $155 | $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 | $950 |
| Total Monthly Debt Service | $747 |
| 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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1950
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13697, Winthrop, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,102 (100%) |
| Owner Occupied HU | 741 (67.2%) |
| Renter Occupied HU | 203 (18.4%) |
| Vacant Housing Units | 158 (14.3%) |
| Median Home Value | $189,139 |
| Average Home Value | $201,336 |
Housing Distribution
Address Breakdown
Residential
821
Single Family
821
Multi-Family
0
Businesses
27
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 1950
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13697, Winthrop, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,102 (100%) |
| Owner Occupied HU | 741 (67.2%) |
| Renter Occupied HU | 203 (18.4%) |
| Vacant Housing Units | 158 (14.3%) |
| Median Home Value | $189,139 |
| Average Home Value | $201,336 |
Housing Distribution
Address Breakdown
Residential
821
Single Family
821
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices