2886 State Highway 220Mc DonoughNY13801
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2886 State Highway 220, Mc Donough, NY, 13801 in Mc Donough. Priced at $125,000, it generates $1,994/mo in gross rent and $1,160/mo in net monthly cash flow, a 19.15% yield that comfortably supports the 3.55 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $13,916. Five-year appreciation: $34,535. Equity from principal paydown: $1,151/yr. Total projected cumulative return: $122,323.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 19.2% | 6.2% |
| Monthly Cash Flow | $1,160 | $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 | $1,994 |
| Total Monthly Debt Service | $785 |
| DSCR Ratio | 2.54x |
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 2002
3.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13801, Mc Donough, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 745 (100%) |
| Owner Occupied HU | 395 (53.0%) |
| Renter Occupied HU | 83 (11.1%) |
| Vacant Housing Units | 267 (35.8%) |
| Median Home Value | $188,167 |
| Average Home Value | $192,791 |
Housing Distribution
Address Breakdown
Residential
552
Single Family
552
Multi-Family
0
Businesses
10
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 2002
3.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13801, Mc Donough, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 745 (100%) |
| Owner Occupied HU | 395 (53.0%) |
| Renter Occupied HU | 83 (11.1%) |
| Vacant Housing Units | 267 (35.8%) |
| Median Home Value | $188,167 |
| Average Home Value | $192,791 |
Housing Distribution
Address Breakdown
Residential
552
Single Family
552
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices