3195 Main StMexicoNY13114
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 3195 Main St, Mexico, NY, 13114 in Mexico deserves attention. This $130,000 property earns $1,726/mo in rent, a 15.93% gross yield, and nets $858/mo after the $585/mo payment. DSCR 2.95 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $35,917 compounds alongside $1,197/yr in yearly equity build, for a total cumulative return of $104,801.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 15.9% | 6.2% |
| Monthly Cash Flow | $858 | $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 | $1,726 |
| Total Monthly Debt Service | $816 |
| DSCR Ratio | 2.11x |
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 1900
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13114, Mexico, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,188 (100%) |
| Owner Occupied HU | 2,192 (68.8%) |
| Renter Occupied HU | 540 (16.9%) |
| Vacant Housing Units | 456 (14.3%) |
| Median Home Value | $182,785 |
| Average Home Value | $227,645 |
Housing Distribution
Address Breakdown
Residential
2,391
Single Family
2,324
Multi-Family
67
Businesses
126
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 1900
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13114, Mexico, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,188 (100%) |
| Owner Occupied HU | 2,192 (68.8%) |
| Renter Occupied HU | 540 (16.9%) |
| Vacant Housing Units | 456 (14.3%) |
| Median Home Value | $182,785 |
| Average Home Value | $227,645 |
Housing Distribution
Address Breakdown
Residential
2,391
Single Family
2,324
Multi-Family
67
Businesses
126
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices