23109 Stone RdDexterNY13634
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.25% yield at 23109 Stone Rd, Dexter, NY, 13634 in Dexter is solid, but the $1,147/mo payment compresses net cash flow to $50/mo at $255,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $70,452 by year five, and $2,349/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.53) without U.S. income documentation. Total projected return: $100,487.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $50 | $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 | $1,753 |
| Total Monthly Debt Service | $1,601 |
| DSCR Ratio | 1.09x |
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.
Manufactured
Built in 1990
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13634, Dexter, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,264 (100%) |
| Owner Occupied HU | 1,271 (56.1%) |
| Renter Occupied HU | 346 (15.3%) |
| Vacant Housing Units | 647 (28.6%) |
| Median Home Value | $254,496 |
| Average Home Value | $260,799 |
Housing Distribution
Address Breakdown
Residential
1,366
Single Family
1,307
Multi-Family
59
Businesses
54
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
Manufactured
Built in 1990
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13634, Dexter, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,264 (100%) |
| Owner Occupied HU | 1,271 (56.1%) |
| Renter Occupied HU | 346 (15.3%) |
| Vacant Housing Units | 647 (28.6%) |
| Median Home Value | $254,496 |
| Average Home Value | $260,799 |
Housing Distribution
Address Breakdown
Residential
1,366
Single Family
1,307
Multi-Family
59
Businesses
54
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices