2332 Bear Swamp RdMoraviaNY13118
INVESTMENT ANALYSIS
Investment Verdict
Solid Income2332 Bear Swamp Rd, Moravia, NY, 13118 in Moravia is a solid income-producing rental, 9.68% gross yield, $4,195/mo rent, $723/mo net cash flow on a $519,900 buy. DSCR 1.79 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $143,639 and $4,788/yr in principal reduction project a total cumulative return of $244,774.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.2% |
| Monthly Cash Flow | $723 | $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 | $4,195 |
| Total Monthly Debt Service | $3,265 |
| DSCR Ratio | 1.28x |
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 1994
6.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13118, Moravia, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,793 (100%) |
| Owner Occupied HU | 1,729 (61.9%) |
| Renter Occupied HU | 417 (14.9%) |
| Vacant Housing Units | 647 (23.2%) |
| Median Home Value | $261,607 |
| Average Home Value | $329,974 |
Housing Distribution
Address Breakdown
Residential
2,025
Single Family
1,980
Multi-Family
45
Businesses
118
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 1994
6.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13118, Moravia, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,793 (100%) |
| Owner Occupied HU | 1,729 (61.9%) |
| Renter Occupied HU | 417 (14.9%) |
| Vacant Housing Units | 647 (23.2%) |
| Median Home Value | $261,607 |
| Average Home Value | $329,974 |
Housing Distribution
Address Breakdown
Residential
2,025
Single Family
1,980
Multi-Family
45
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices