35 Union StreetFultonvilleNY12072
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Fultonville rentals match the income profile of 35 Union Street, Fultonville, NY, 12072. Listed at $219,000, gross rent is $2,880/mo and net cash flow is $1,418/mo, a 15.78% yield well above national averages. DSCR 2.92 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $60,506 by year five with $2,017/yr in annual principal reduction, projecting $174,742 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 15.8% | 6.2% |
| Monthly Cash Flow | $1,418 | $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 | $2,880 |
| Total Monthly Debt Service | $1,375 |
| DSCR Ratio | 2.09x |
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.
Multi Family
Built in 1800
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12072, Fultonville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,153 (100%) |
| Owner Occupied HU | 862 (74.8%) |
| Renter Occupied HU | 164 (14.2%) |
| Vacant Housing Units | 127 (11.0%) |
| Median Home Value | $204,945 |
| Average Home Value | $231,856 |
Housing Distribution
Address Breakdown
Residential
913
Single Family
913
Multi-Family
0
Businesses
72
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
Multi Family
Built in 1800
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12072, Fultonville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,153 (100%) |
| Owner Occupied HU | 862 (74.8%) |
| Renter Occupied HU | 164 (14.2%) |
| Vacant Housing Units | 127 (11.0%) |
| Median Home Value | $204,945 |
| Average Home Value | $231,856 |
Housing Distribution
Address Breakdown
Residential
913
Single Family
913
Multi-Family
0
Businesses
72
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices