28 W Main StEarlvilleNY13332
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 28 W Main St, Earlville, NY, 13332 in Earlville is narrow, $152/mo net on $1,253/mo rent after the $741/mo debt service, but the property operates at break-even-plus, not a loss. At $164,900 with a 9.12% yield, the long-run equity case via 5% appreciation ($45,559 over five years) and $1,519/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $72,677.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $152 | $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 | $1,253 |
| Total Monthly Debt Service | $1,036 |
| DSCR Ratio | 1.21x |
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 1845
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13332, Earlville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,258 (100%) |
| Owner Occupied HU | 791 (62.9%) |
| Renter Occupied HU | 262 (20.8%) |
| Vacant Housing Units | 205 (16.3%) |
| Median Home Value | $195,437 |
| Average Home Value | $215,294 |
Housing Distribution
Address Breakdown
Residential
848
Single Family
848
Multi-Family
0
Businesses
50
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 1845
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13332, Earlville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,258 (100%) |
| Owner Occupied HU | 791 (62.9%) |
| Renter Occupied HU | 262 (20.8%) |
| Vacant Housing Units | 205 (16.3%) |
| Median Home Value | $195,437 |
| Average Home Value | $215,294 |
Housing Distribution
Address Breakdown
Residential
848
Single Family
848
Multi-Family
0
Businesses
50
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices