23 Library AveWarrensburgNY12885
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Warrensburg rentals match the income profile of 23 Library Ave, Warrensburg, NY, 12885. Listed at $270,000, gross rent is $2,413/mo and net cash flow is $610/mo, a 10.73% yield well above national averages. DSCR 1.99 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $74,596 by year five with $2,487/yr in annual principal reduction, projecting $142,229 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $610 | $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 | $2,413 |
| Total Monthly Debt Service | $1,696 |
| DSCR Ratio | 1.42x |
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 1955
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12885, Warrensburg, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,602 (100%) |
| Owner Occupied HU | 1,386 (53.3%) |
| Renter Occupied HU | 620 (23.8%) |
| Vacant Housing Units | 596 (22.9%) |
| Median Home Value | $229,412 |
| Average Home Value | $342,008 |
Housing Distribution
Address Breakdown
Residential
2,009
Single Family
2,009
Multi-Family
0
Businesses
176
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 1955
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12885, Warrensburg, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,602 (100%) |
| Owner Occupied HU | 1,386 (53.3%) |
| Renter Occupied HU | 620 (23.8%) |
| Vacant Housing Units | 596 (22.9%) |
| Median Home Value | $229,412 |
| Average Home Value | $342,008 |
Housing Distribution
Address Breakdown
Residential
2,009
Single Family
2,009
Multi-Family
0
Businesses
176
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bonny Durbin • Indigo Sky Realty, LLC
Mls Name: ACVMLS
Mls Provider:
Mls ID: #204422
Disclaimer: Listing data courtesy of the Internet Data Exchange (IDX) Program of the Adirondack Champlain Valley Multiple Listing Service. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listing information deemed reliable but not guaranteed.