2748 E Main StWhitney PtNY13862
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2748 E Main St, Whitney Pt, NY, 13862 in Whitney Pt worth study. Rental yield 5.23%. The 5.23% gross yield is below cash-flow benchmarks at $289,000, but 5% annual appreciation, adding $79,845 over five years, frames this as a capital growth position. Rent of $1,260/mo partially offsets the $1,300/mo payment. Ziffy Mortgage finances appreciation-play properties (0.97 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $67,084.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.2% |
| Monthly Cash Flow | $(670) | $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 | $1,260 |
| Total Monthly Debt Service | $1,815 |
| DSCR Ratio | 0.69x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2013
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13862, Whitney Point, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,878 (100%) |
| Owner Occupied HU | 1,267 (67.5%) |
| Renter Occupied HU | 377 (20.1%) |
| Vacant Housing Units | 234 (12.5%) |
| Median Home Value | $184,821 |
| Average Home Value | $210,679 |
Housing Distribution
Address Breakdown
Residential
1,457
Single Family
1,434
Multi-Family
23
Businesses
89
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 2013
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13862, Whitney Point, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,878 (100%) |
| Owner Occupied HU | 1,267 (67.5%) |
| Renter Occupied HU | 377 (20.1%) |
| Vacant Housing Units | 234 (12.5%) |
| Median Home Value | $184,821 |
| Average Home Value | $210,679 |
Housing Distribution
Address Breakdown
Residential
1,457
Single Family
1,434
Multi-Family
23
Businesses
89
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: William Lidell • YAMAN REAL ESTATE
Mls Name: GBMLS
Mls ID: #333021