351 N Settlement RoadAshlandNY12407
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 351 N Settlement Road, Ashland, NY, 12407 in Ashland at $1,500,000, 4.17% gross yield, is a market-growth asset. Rental yield 4.17%. The $5,215/mo rent partially funds the $6,745/mo debt service; the core return is the 5%/yr price growth projected to add $414,422 over five years. Ziffy Mortgage's DSCR mortgage (0.77) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $262,941.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.2% |
| Monthly Cash Flow | $(4,802) | $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 | $5,215 |
| Total Monthly Debt Service | $9,420 |
| DSCR Ratio | 0.55x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1890
113.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12407, Ashland, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 84 (100%) |
| Owner Occupied HU | 45 (53.6%) |
| Renter Occupied HU | 11 (13.1%) |
| Vacant Housing Units | 28 (33.3%) |
| Median Home Value | $323,684 |
| Average Home Value | $397,056 |
Housing Distribution
Address Breakdown
Residential
55
Single Family
55
Multi-Family
0
Businesses
21
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 1890
113.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12407, Ashland, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 84 (100%) |
| Owner Occupied HU | 45 (53.6%) |
| Renter Occupied HU | 11 (13.1%) |
| Vacant Housing Units | 28 (33.3%) |
| Median Home Value | $323,684 |
| Average Home Value | $397,056 |
Housing Distribution
Address Breakdown
Residential
55
Single Family
55
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
