4136 State Highway 205HartwickNY13348
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 4136 State Highway 205, Hartwick, NY, 13348 in Hartwick deserves attention. This $264,500 property earns $5,246/mo in rent, a 23.8% gross yield, and nets $3,480/mo after the $1,189/mo payment. DSCR 4.41 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $73,076 compounds alongside $2,436/yr in yearly equity build, for a total cumulative return of $324,839.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 23.8% | 6.2% |
| Monthly Cash Flow | $3,480 | $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 | $5,246 |
| Total Monthly Debt Service | $1,661 |
| DSCR Ratio | 3.16x |
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 1982
20.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13348, Hartwick, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 771 (100%) |
| Owner Occupied HU | 498 (64.6%) |
| Renter Occupied HU | 111 (14.4%) |
| Vacant Housing Units | 162 (21.0%) |
| Median Home Value | $252,222 |
| Average Home Value | $300,005 |
Housing Distribution
Address Breakdown
Residential
502
Single Family
502
Multi-Family
0
Businesses
31
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 1982
20.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13348, Hartwick, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 771 (100%) |
| Owner Occupied HU | 498 (64.6%) |
| Renter Occupied HU | 111 (14.4%) |
| Vacant Housing Units | 162 (21.0%) |
| Median Home Value | $252,222 |
| Average Home Value | $300,005 |
Housing Distribution
Address Breakdown
Residential
502
Single Family
502
Multi-Family
0
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices