3678 County Route 14MadridNY13660
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 3678 County Route 14, Madrid, NY, 13660 in Madrid. Priced at $164,540, it generates $1,850/mo in gross rent and $752/mo in net monthly cash flow, a 13.5% yield that comfortably supports the 2.50 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,020. Five-year appreciation: $45,459. Equity from principal paydown: $1,515/yr. Total projected cumulative return: $111,103.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.5% | 6.2% |
| Monthly Cash Flow | $752 | $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 | $1,850 |
| Total Monthly Debt Service | $1,033 |
| DSCR Ratio | 1.79x |
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 1930
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13660, Madrid, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 846 (100%) |
| Owner Occupied HU | 575 (68.0%) |
| Renter Occupied HU | 143 (16.9%) |
| Vacant Housing Units | 128 (15.1%) |
| Median Home Value | $148,566 |
| Average Home Value | $194,091 |
Housing Distribution
Address Breakdown
Residential
676
Single Family
668
Multi-Family
8
Businesses
34
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 1930
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13660, Madrid, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 846 (100%) |
| Owner Occupied HU | 575 (68.0%) |
| Renter Occupied HU | 143 (16.9%) |
| Vacant Housing Units | 128 (15.1%) |
| Median Home Value | $148,566 |
| Average Home Value | $194,091 |
Housing Distribution
Address Breakdown
Residential
676
Single Family
668
Multi-Family
8
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices