2125 State Route 385AthensNY12015
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 2125 State Route 385, Athens, NY, 12015 in Athens at $1,325,000. Rental yield 7.1%. The 7.1% yield and 1.32 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $366,073 by year five, and $12,203/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $440,531.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $(1,006) | $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 | $7,842 |
| Total Monthly Debt Service | $8,321 |
| DSCR Ratio | 0.94x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1848
3.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12015, Athens, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,229 (100%) |
| Owner Occupied HU | 1,314 (59.0%) |
| Renter Occupied HU | 315 (14.1%) |
| Vacant Housing Units | 600 (26.9%) |
| Median Home Value | $322,251 |
| Average Home Value | $391,429 |
Housing Distribution
Address Breakdown
Residential
1,706
Single Family
1,674
Multi-Family
32
Businesses
98
Nearby investment properties with comparable rents
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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
Single Family
Built in 1848
3.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12015, Athens, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,229 (100%) |
| Owner Occupied HU | 1,314 (59.0%) |
| Renter Occupied HU | 315 (14.1%) |
| Vacant Housing Units | 600 (26.9%) |
| Median Home Value | $322,251 |
| Average Home Value | $391,429 |
Housing Distribution
Address Breakdown
Residential
1,706
Single Family
1,674
Multi-Family
32
Businesses
98
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices