431 Cross RdMc DonoughNY13801
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder431 Cross Rd, Mc Donough, NY, 13801 in Mc Donough is a stable, well-positioned rental at $206,700. Rental yield 7.25%. DSCR 1.34 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $57,107 in value and $1,904/yr in principal paydown builds equity, a total projected return of $70,371.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $(132) | $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 | $1,248 |
| Total Monthly Debt Service | $1,298 |
| DSCR Ratio | 0.96x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Home Type Unknown
Built in 1993
13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13801, Mc Donough, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 745 (100%) |
| Owner Occupied HU | 395 (53.0%) |
| Renter Occupied HU | 83 (11.1%) |
| Vacant Housing Units | 267 (35.8%) |
| Median Home Value | $188,167 |
| Average Home Value | $192,791 |
Housing Distribution
Address Breakdown
Residential
552
Single Family
552
Multi-Family
0
Businesses
10
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
Home Type Unknown
Built in 1993
13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13801, Mc Donough, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 745 (100%) |
| Owner Occupied HU | 395 (53.0%) |
| Renter Occupied HU | 83 (11.1%) |
| Vacant Housing Units | 267 (35.8%) |
| Median Home Value | $188,167 |
| Average Home Value | $192,791 |
Housing Distribution
Address Breakdown
Residential
552
Single Family
552
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A