27 Lower Main StCallicoonNY12723
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play27 Lower Main St, Callicoon, NY, 12723 in Callicoon is priced for appreciation, not yield. Rental yield 4.44%. At $415,800 with a 4.44% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $114,878 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (2.81) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $318,086.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.2% |
| Monthly Cash Flow | $(1,239) | $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 | $5,256 |
| Total Monthly Debt Service | $2,611 |
| DSCR Ratio | 2.01x |
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 1960
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12723, Callicoon, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,212 (100%) |
| Owner Occupied HU | 592 (48.8%) |
| Renter Occupied HU | 167 (13.8%) |
| Vacant Housing Units | 453 (37.4%) |
| Median Home Value | $372,781 |
| Average Home Value | $477,800 |
Housing Distribution
Address Breakdown
Residential
749
Single Family
749
Multi-Family
0
Businesses
100
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 1960
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12723, Callicoon, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,212 (100%) |
| Owner Occupied HU | 592 (48.8%) |
| Renter Occupied HU | 167 (13.8%) |
| Vacant Housing Units | 453 (37.4%) |
| Median Home Value | $372,781 |
| Average Home Value | $477,800 |
Housing Distribution
Address Breakdown
Residential
749
Single Family
749
Multi-Family
0
Businesses
100
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices