2952 State Highway 28PortlandvilleNY13834
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2952 State Highway 28, Portlandville, NY, 13834 in Portlandville. Priced at $250,000, it generates $2,476/mo in gross rent and $806/mo in net monthly cash flow, a 11.88% yield that comfortably supports the 2.20 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,674. Five-year appreciation: $69,070. Equity from principal paydown: $2,303/yr. Total projected cumulative return: $147,277.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.2% |
| Monthly Cash Flow | $806 | $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 | $2,476 |
| Total Monthly Debt Service | $1,570 |
| DSCR Ratio | 1.58x |
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 1800
0.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13834, Portlandville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 100 (100%) |
| Owner Occupied HU | 52 (52.0%) |
| Renter Occupied HU | 16 (16.0%) |
| Vacant Housing Units | 32 (32.0%) |
| Median Home Value | $230,000 |
| Average Home Value | $274,038 |
Housing Distribution
Address Breakdown
Residential
56
Single Family
56
Multi-Family
0
Businesses
9
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 1800
0.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13834, Portlandville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 100 (100%) |
| Owner Occupied HU | 52 (52.0%) |
| Renter Occupied HU | 16 (16.0%) |
| Vacant Housing Units | 32 (32.0%) |
| Median Home Value | $230,000 |
| Average Home Value | $274,038 |
Housing Distribution
Address Breakdown
Residential
56
Single Family
56
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A