28 Twin Creek DrPeruNY12972
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 28 Twin Creek Dr, Peru, NY, 12972 in Peru. At $562,000 it earns $4,345/mo in rent and distributes $592/mo to the owner after the $2,527/mo payment, a consistent 9.28% yield. DSCR 1.72 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $155,270 in value; $5,176/yr in principal paydown compounds ownership stake. Total projected return: $252,394.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $592 | $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 | $4,345 |
| Total Monthly Debt Service | $3,529 |
| DSCR Ratio | 1.23x |
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 2005
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12972, Peru, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,623 (100%) |
| Owner Occupied HU | 1,861 (70.9%) |
| Renter Occupied HU | 504 (19.2%) |
| Vacant Housing Units | 258 ( 9.8%) |
| Median Home Value | $266,947 |
| Average Home Value | $315,027 |
Housing Distribution
Address Breakdown
Residential
2,368
Single Family
2,338
Multi-Family
30
Businesses
103
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 2005
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12972, Peru, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,623 (100%) |
| Owner Occupied HU | 1,861 (70.9%) |
| Renter Occupied HU | 504 (19.2%) |
| Vacant Housing Units | 258 ( 9.8%) |
| Median Home Value | $266,947 |
| Average Home Value | $315,027 |
Housing Distribution
Address Breakdown
Residential
2,368
Single Family
2,338
Multi-Family
30
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle C Fowler • Real Brokers NY, LLC
Mls Name: ACVMLS
Mls Provider:
Mls ID: #204772
Disclaimer: Listing data courtesy of the Internet Data Exchange (IDX) Program of the Adirondack Champlain Valley Multiple Listing Service. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listing information deemed reliable but not guaranteed.