4256 Upper Mountain RdSanbornNY14132
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 4256 Upper Mountain Rd, Sanborn, NY, 14132 in Sanborn, $300,000, 8.77% gross yield, $190/mo net income. Consider it a market-entry position, the $2,194/mo rent covers the $1,349/mo payment with a margin, and 5%/yr appreciation is projected to add $82,884 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.63) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $126,664.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $190 | $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 | $2,194 |
| Total Monthly Debt Service | $1,884 |
| DSCR Ratio | 1.16x |
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 1963
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14132, Sanborn, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,678 (100%) |
| Owner Occupied HU | 2,102 (78.5%) |
| Renter Occupied HU | 429 (16.0%) |
| Vacant Housing Units | 147 ( 5.5%) |
| Median Home Value | $269,652 |
| Average Home Value | $335,396 |
Housing Distribution
Address Breakdown
Residential
2,345
Single Family
2,298
Multi-Family
47
Businesses
206
Nearby investment properties with comparable rents
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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 1963
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14132, Sanborn, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,678 (100%) |
| Owner Occupied HU | 2,102 (78.5%) |
| Renter Occupied HU | 429 (16.0%) |
| Vacant Housing Units | 147 ( 5.5%) |
| Median Home Value | $269,652 |
| Average Home Value | $335,396 |
Housing Distribution
Address Breakdown
Residential
2,345
Single Family
2,298
Multi-Family
47
Businesses
206
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices