36 Church StElbaNY14058
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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
Investment Highlights
Investment property for sale in Elba at 36 Church St, Elba, NY, 14058 offers a 9.77% rental yield on a $279,900 purchase with $2,280/mo rent. Total monthly income registers $2,280/mo, and a $1,370/mo payment leaves $411/mo available for distribution. Annual cash flow reaches $4,930/yr on $92,787 to close, and return on cash invested stands at 25.22% in year one. Equity gained on principal adds $1,806/yr while 5% annual appreciation supports $77,331 over five years. Portfolio math shows five-year ROI at 131.97% and total cumulative return in cash at $122,449. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $2,280/mo property income against a $1,370/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1900
9,413 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14058, Elba, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 908 (100%) |
| Owner Occupied HU | 700 (77.1%) |
| Renter Occupied HU | 144 (15.9%) |
| Vacant Housing Units | 64 ( 7.0%) |
| Median Home Value | $181,098 |
| Average Home Value | $218,018 |
Housing Distribution
Address Breakdown
Residential
729
Single Family
729
Multi-Family
0
Businesses
41
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