238 Russell RdMoiraNY12957
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 238 Russell Rd, Moira, NY, 12957 in Moira. Priced at $108,800, it generates $3,518/mo in gross rent and $2,792/mo in net monthly cash flow, a 38.81% yield that comfortably supports the 7.19 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $33,502. Five-year appreciation: $30,059. Equity from principal paydown: $1,002/yr. Total projected cumulative return: $221,127.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 38.8% | 6.2% |
| Monthly Cash Flow | $2,792 | $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 | $3,518 |
| Total Monthly Debt Service | $683 |
| DSCR Ratio | 5.15x |
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 1970
1.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12957, Moira, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 810 (100%) |
| Owner Occupied HU | 488 (60.2%) |
| Renter Occupied HU | 205 (25.3%) |
| Vacant Housing Units | 117 (14.4%) |
| Median Home Value | $159,500 |
| Average Home Value | $323,842 |
Housing Distribution
Address Breakdown
Residential
655
Single Family
655
Multi-Family
0
Businesses
31
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 1970
1.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12957, Moira, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 810 (100%) |
| Owner Occupied HU | 488 (60.2%) |
| Renter Occupied HU | 205 (25.3%) |
| Vacant Housing Units | 117 (14.4%) |
| Median Home Value | $159,500 |
| Average Home Value | $323,842 |
Housing Distribution
Address Breakdown
Residential
655
Single Family
655
Multi-Family
0
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices