420 Main StCold BrookNY13324
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Cold Brook rental at 420 Main St, Cold Brook, NY, 13324 sits in the solid-income band: 9.94% gross yield, $1,904/mo rent, $369/mo net after the $1,034/mo debt service, DSCR 1.84. Entry price of $229,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $63,517 and $2,117/yr in principal reduction bring total cumulative return to $111,445.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $369 | $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 | $1,904 |
| Total Monthly Debt Service | $1,444 |
| DSCR Ratio | 1.32x |
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 1916
1.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13324, Cold Brook, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,596 (100%) |
| Owner Occupied HU | 758 (47.5%) |
| Renter Occupied HU | 110 ( 6.9%) |
| Vacant Housing Units | 728 (45.6%) |
| Median Home Value | $223,711 |
| Average Home Value | $259,723 |
Housing Distribution
Address Breakdown
Residential
901
Single Family
901
Multi-Family
0
Businesses
20
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 1916
1.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13324, Cold Brook, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,596 (100%) |
| Owner Occupied HU | 758 (47.5%) |
| Renter Occupied HU | 110 ( 6.9%) |
| Vacant Housing Units | 728 (45.6%) |
| Median Home Value | $223,711 |
| Average Home Value | $259,723 |
Housing Distribution
Address Breakdown
Residential
901
Single Family
901
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nathaniel Crossett • THE BOUTIQUE REAL ESTATE SHOPPE
Mls Name: NY State MLS
Mls ID: #11632899