21 Pine 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 21 Pine St, Oneonta, NY, 13820 with 5% annual appreciation on a $169,999 basis while $1,565/mo rent supports operations. Total monthly income totals $1,565/mo and a $832/mo payment preserves $430/mo for cash returns. Annual cash flow comes to $5,158/yr on $56,355 deployed, and return on cash invested reaches 29.06% in year one. Equity gained on principal adds $1,097/yr, and five-year appreciation sums $46,968 alongside rental yield of 11.05%. Five-year ROI measures 152.56% and total cumulative return in cash totals $85,977.
Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $1,565/mo property income versus a $832/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Multi Family
Built in 1970
6,534 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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