22 Harts Hill CirWhitesboroNY13492
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 22 Harts Hill Cir, Whitesboro, NY, 13492 in Whitesboro speaks for itself: 12.23% gross on a $212,500 price, generating $2,038/mo in rent and $703/mo in net income after the $956/mo debt service. DSCR 2.13, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,437 stacks alongside $58,710 in projected five-year appreciation and $1,957/yr in principal reduction. Projected total cumulative return: $120,887.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 6.2% |
| Monthly Cash Flow | $703 | $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 | $2,038 |
| Total Monthly Debt Service | $1,334 |
| DSCR Ratio | 1.53x |
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 1954
9,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13492, Whitesboro, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,206 (100%) |
| Owner Occupied HU | 3,737 (71.8%) |
| Renter Occupied HU | 1,177 (22.6%) |
| Vacant Housing Units | 292 ( 5.6%) |
| Median Home Value | $231,613 |
| Average Home Value | $269,076 |
Housing Distribution
Address Breakdown
Residential
5,094
Single Family
4,824
Multi-Family
270
Businesses
251
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 1954
9,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13492, Whitesboro, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,206 (100%) |
| Owner Occupied HU | 3,737 (71.8%) |
| Renter Occupied HU | 1,177 (22.6%) |
| Vacant Housing Units | 292 ( 5.6%) |
| Median Home Value | $231,613 |
| Average Home Value | $269,076 |
Housing Distribution
Address Breakdown
Residential
5,094
Single Family
4,824
Multi-Family
270
Businesses
251
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jodie M. DeCosty • Coldwell Banker Prime Properties
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #S1603507
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