423/427 3rd StYoungstownNY14174
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 423/427 3rd St, Youngstown, NY, 14174 in Youngstown: $3,000/mo in rent, $663/mo net, 10.29% gross yield, all on a $349,900 acquisition. The 1.91 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $96,671 in value, and $3,223/yr in principal paydown steadily builds equity. Projected total cumulative return: $176,194.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $663 | $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 | $3,000 |
| Total Monthly Debt Service | $2,197 |
| DSCR Ratio | 1.37x |
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 1900
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14174, Youngstown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,597 (100%) |
| Owner Occupied HU | 1,875 (72.2%) |
| Renter Occupied HU | 499 (19.2%) |
| Vacant Housing Units | 223 ( 8.6%) |
| Median Home Value | $292,057 |
| Average Home Value | $349,059 |
Housing Distribution
Address Breakdown
Residential
2,494
Single Family
2,439
Multi-Family
55
Businesses
103
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 1900
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14174, Youngstown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,597 (100%) |
| Owner Occupied HU | 1,875 (72.2%) |
| Renter Occupied HU | 499 (19.2%) |
| Vacant Housing Units | 223 ( 8.6%) |
| Median Home Value | $292,057 |
| Average Home Value | $349,059 |
Housing Distribution
Address Breakdown
Residential
2,494
Single Family
2,439
Multi-Family
55
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Cicciarelli • Berkshire Hathaway Homeservices Zambito Realtors
Mls Name: NYSAMLSs
Mls ID: #B1620648