248 Ratta RdChazyNY12921
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Chazy rentals match the income profile of 248 Ratta Rd, Chazy, NY, 12921. Listed at $189,900, gross rent is $1,900/mo and net cash flow is $631/mo, a 12% yield well above national averages. DSCR 2.22 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $52,466 by year five with $1,749/yr in annual principal reduction, projecting $113,094 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.2% |
| Monthly Cash Flow | $631 | $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 | $1,900 |
| Total Monthly Debt Service | $1,193 |
| DSCR Ratio | 1.59x |
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
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12921, Chazy, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,218 (100%) |
| Owner Occupied HU | 773 (63.5%) |
| Renter Occupied HU | 217 (17.8%) |
| Vacant Housing Units | 228 (18.7%) |
| Median Home Value | $239,483 |
| Average Home Value | $281,646 |
Housing Distribution
Address Breakdown
Residential
959
Single Family
959
Multi-Family
0
Businesses
55
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
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12921, Chazy, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,218 (100%) |
| Owner Occupied HU | 773 (63.5%) |
| Renter Occupied HU | 217 (17.8%) |
| Vacant Housing Units | 228 (18.7%) |
| Median Home Value | $239,483 |
| Average Home Value | $281,646 |
Housing Distribution
Address Breakdown
Residential
959
Single Family
959
Multi-Family
0
Businesses
55
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices