3760 State Highway 51New lisbonNY13415
INVESTMENT ANALYSIS
Investment Verdict
Solid Income3760 State Highway 51, New lisbon, NY, 13415 in New lisbon earns a respectable 8.3% gross yield at $249,000, but after the $1,120/mo mortgage the net cash flow is $59/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.54) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $68,794 over five years, making equity the dominant return driver. Total projected return: $98,733.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $59 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,722 |
| Total Monthly Debt Service | $1,564 |
| DSCR Ratio | 1.10x |
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.
Multi Family
Built in 1806
2.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13415, New Lisbon, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 41 (100%) |
| Owner Occupied HU | 26 (63.4%) |
| Renter Occupied HU | 9 (22.0%) |
| Vacant Housing Units | 6 (14.6%) |
| Median Home Value | $266,667 |
| Average Home Value | $333,942 |
Housing Distribution
Address Breakdown
Residential
42
Single Family
42
Multi-Family
0
Businesses
0
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
Multi Family
Built in 1806
2.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13415, New Lisbon, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 41 (100%) |
| Owner Occupied HU | 26 (63.4%) |
| Renter Occupied HU | 9 (22.0%) |
| Vacant Housing Units | 6 (14.6%) |
| Median Home Value | $266,667 |
| Average Home Value | $333,942 |
Housing Distribution
Address Breakdown
Residential
42
Single Family
42
Multi-Family
0
Businesses
0
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NYSAMLSs
Mls ID: #R1679586