315 Main StreetHurleyvilleNY12747
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 315 Main Street, Hurleyville, NY, 12747 in Hurleyville, $349,000, 8.21% gross yield, $57/mo net income. Consider it a market-entry position, the $2,388/mo rent covers the $1,569/mo payment with a margin, and 5%/yr appreciation is projected to add $96,422 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.52) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $136,814.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $57 | $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 | $2,388 |
| Total Monthly Debt Service | $2,192 |
| DSCR Ratio | 1.09x |
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 1910
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12747, Hurleyville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,768 (100%) |
| Owner Occupied HU | 587 (33.2%) |
| Renter Occupied HU | 488 (27.6%) |
| Vacant Housing Units | 693 (39.2%) |
| Median Home Value | $302,184 |
| Average Home Value | $289,672 |
Housing Distribution
Address Breakdown
Residential
634
Single Family
634
Multi-Family
0
Businesses
41
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 1910
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12747, Hurleyville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,768 (100%) |
| Owner Occupied HU | 587 (33.2%) |
| Renter Occupied HU | 488 (27.6%) |
| Vacant Housing Units | 693 (39.2%) |
| Median Home Value | $302,184 |
| Average Home Value | $289,672 |
Housing Distribution
Address Breakdown
Residential
634
Single Family
634
Multi-Family
0
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lori Sheehy • Houlihan Lawrence Inc.
Mls Name: OneKey MLS
Mls ID: #893299