2264 Highway Route 20CarlisleNY12031
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Carlisle rentals match the income profile of 2264 Highway Route 20, Carlisle, NY, 12031. Listed at $289,900, gross rent is $4,016/mo and net cash flow is $2,080/mo, a 16.63% yield well above national averages. DSCR 3.08 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $80,094 by year five with $2,670/yr in annual principal reduction, projecting $244,428 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 16.6% | 6.2% |
| Monthly Cash Flow | $2,080 | $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 | $4,016 |
| Total Monthly Debt Service | $1,821 |
| DSCR Ratio | 2.21x |
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 1978
2.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12031, Carlisle, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 83 (100%) |
| Owner Occupied HU | 49 (59.0%) |
| Renter Occupied HU | 7 ( 8.4%) |
| Vacant Housing Units | 27 (32.5%) |
| Median Home Value | $275,000 |
| Average Home Value | $375,051 |
Housing Distribution
Address Breakdown
Residential
40
Single Family
40
Multi-Family
0
Businesses
10
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 1978
2.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12031, Carlisle, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 83 (100%) |
| Owner Occupied HU | 49 (59.0%) |
| Renter Occupied HU | 7 ( 8.4%) |
| Vacant Housing Units | 27 (32.5%) |
| Median Home Value | $275,000 |
| Average Home Value | $375,051 |
Housing Distribution
Address Breakdown
Residential
40
Single Family
40
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices