4142 County Road 1FriendshipNY14739
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4142 County Road 1, Friendship, NY, 14739 in Friendship is narrow, $196/mo net on $1,698/mo rent after the $1,011/mo debt service, but the property operates at break-even-plus, not a loss. At $224,900 with a 9.06% yield, the long-run equity case via 5% appreciation ($62,136 over five years) and $2,071/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.68 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $98,391.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $196 | $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 | $1,698 |
| Total Monthly Debt Service | $1,412 |
| DSCR Ratio | 1.20x |
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 1800
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14739, Friendship, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,632 (100%) |
| Owner Occupied HU | 926 (56.7%) |
| Renter Occupied HU | 286 (17.5%) |
| Vacant Housing Units | 420 (25.7%) |
| Median Home Value | $91,600 |
| Average Home Value | $148,869 |
Housing Distribution
Address Breakdown
Residential
1,134
Single Family
1,109
Multi-Family
25
Businesses
33
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 1800
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14739, Friendship, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,632 (100%) |
| Owner Occupied HU | 926 (56.7%) |
| Renter Occupied HU | 286 (17.5%) |
| Vacant Housing Units | 420 (25.7%) |
| Median Home Value | $91,600 |
| Average Home Value | $148,869 |
Housing Distribution
Address Breakdown
Residential
1,134
Single Family
1,109
Multi-Family
25
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rebecca K Pettit • Homestar Realty
Mls Name: NYSAMLSs
Mls ID: #B1635304