3656 Watkins RdPine ValleyNY14872
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3656 Watkins Rd, Pine Valley, NY, 14872 in Pine Valley at $140,000 earns $1,082/mo in rent and nets $147/mo after the $630/mo payment, a 9.27% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $38,679 over five years. Ziffy Mortgage underwrites this on a 1.72 DSCR without U.S. credit history. With $1,289/yr in principal paydown, total projected return reaches $62,868.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $147 | $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 | $1,082 |
| Total Monthly Debt Service | $879 |
| DSCR Ratio | 1.23x |
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 1890
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14872, Pine Valley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 143 (100%) |
| Owner Occupied HU | 90 (62.9%) |
| Renter Occupied HU | 39 (27.3%) |
| Vacant Housing Units | 14 ( 9.8%) |
| Median Home Value | $303,448 |
| Average Home Value | $266,278 |
Housing Distribution
Address Breakdown
Residential
184
Single Family
184
Multi-Family
0
Businesses
7
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
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14872, Pine Valley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 143 (100%) |
| Owner Occupied HU | 90 (62.9%) |
| Renter Occupied HU | 39 (27.3%) |
| Vacant Housing Units | 14 ( 9.8%) |
| Median Home Value | $303,448 |
| Average Home Value | $266,278 |
Housing Distribution
Address Breakdown
Residential
184
Single Family
184
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joseph David Iles • Keller Williams Realty Southern Tier & Finger Lakes
Mls Name: NYSAMLSs
Mls ID: #R1625538