37 Crane StClifton SpringsNY14432
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 37 Crane St, Clifton Springs, NY, 14432 in Clifton Springs: $1,889/mo in rent, $1,088/mo net, 18.89% gross yield, all on a $120,000 acquisition. The 3.50 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $33,154 in value, and $1,105/yr in principal paydown steadily builds equity. Projected total cumulative return: $115,725.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 18.9% | 6.2% |
| Monthly Cash Flow | $1,088 | $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 | $1,889 |
| Total Monthly Debt Service | $754 |
| DSCR Ratio | 2.51x |
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
10,558 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14432, Clifton Springs, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,432 (100%) |
| Owner Occupied HU | 1,703 (70.0%) |
| Renter Occupied HU | 573 (23.6%) |
| Vacant Housing Units | 156 ( 6.4%) |
| Median Home Value | $171,601 |
| Average Home Value | $268,739 |
Housing Distribution
Address Breakdown
Residential
2,234
Single Family
1,764
Multi-Family
470
Businesses
118
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
10,558 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14432, Clifton Springs, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,432 (100%) |
| Owner Occupied HU | 1,703 (70.0%) |
| Renter Occupied HU | 573 (23.6%) |
| Vacant Housing Units | 156 ( 6.4%) |
| Median Home Value | $171,601 |
| Average Home Value | $268,739 |
Housing Distribution
Address Breakdown
Residential
2,234
Single Family
1,764
Multi-Family
470
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Julie M. Chapman • Howard Hanna
Mls Name: NYSAMLSs
Mls ID: #R1652560