20 Windham HlMendonNY14506
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 20 Windham Hl, Mendon, NY, 14506 in Mendon at $898,880 earns $6,137/mo in rent and nets $134/mo after the $4,042/mo payment, a 8.19% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $248,344 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $8,279/yr in principal paydown, total projected return reaches $351,377.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $134 | $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 | $6,137 |
| Total Monthly Debt Service | $5,645 |
| DSCR Ratio | 1.09x |
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 1989
6 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14506, Mendon, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 485 (100%) |
| Owner Occupied HU | 444 (91.5%) |
| Renter Occupied HU | 27 ( 5.6%) |
| Vacant Housing Units | 14 ( 2.9%) |
| Median Home Value | $390,654 |
| Average Home Value | $455,130 |
Housing Distribution
Address Breakdown
Residential
443
Single Family
443
Multi-Family
0
Businesses
112
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 1989
6 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14506, Mendon, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 485 (100%) |
| Owner Occupied HU | 444 (91.5%) |
| Renter Occupied HU | 27 ( 5.6%) |
| Vacant Housing Units | 14 ( 2.9%) |
| Median Home Value | $390,654 |
| Average Home Value | $455,130 |
Housing Distribution
Address Breakdown
Residential
443
Single Family
443
Multi-Family
0
Businesses
112
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices