3720 Pickard RdSinclairvilleNY14782
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.17% yield at 3720 Pickard Rd, Sinclairville, NY, 14782 in Sinclairville is solid, but the $899/mo payment compresses net cash flow to $193/mo at $199,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $55,229 by year five, and $1,841/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.70) without U.S. income documentation. Total projected return: $88,658.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $193 | $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 | $1,528 |
| Total Monthly Debt Service | $1,255 |
| DSCR Ratio | 1.22x |
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.
Manufactured
Built in 2003
4.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14782, Sinclairville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,135 (100%) |
| Owner Occupied HU | 794 (70.0%) |
| Renter Occupied HU | 167 (14.7%) |
| Vacant Housing Units | 174 (15.3%) |
| Median Home Value | $152,482 |
| Average Home Value | $171,958 |
Housing Distribution
Address Breakdown
Residential
784
Single Family
748
Multi-Family
36
Businesses
40
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
Manufactured
Built in 2003
4.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14782, Sinclairville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,135 (100%) |
| Owner Occupied HU | 794 (70.0%) |
| Renter Occupied HU | 167 (14.7%) |
| Vacant Housing Units | 174 (15.3%) |
| Median Home Value | $152,482 |
| Average Home Value | $171,958 |
Housing Distribution
Address Breakdown
Residential
784
Single Family
748
Multi-Family
36
Businesses
40
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jerod Zahn • ERA Team VP Real Estate
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #R1577521
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