4319 State Route 90Union SpringsNY13160
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow4319 State Route 90, Union Springs, NY, 13160 in Union Springs earns its strong cash-flow label: 11.89% yield, $3,558/mo rent, $1,161/mo net income, DSCR 2.20. The $359,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $99,185 by year five. Combined with $3,306/yr in principal paydown, total projected return reaches $211,606.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.2% |
| Monthly Cash Flow | $1,161 | $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 | $3,558 |
| Total Monthly Debt Service | $2,255 |
| DSCR Ratio | 1.58x |
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 1865
1.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13160, Union Springs, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,025 (100%) |
| Owner Occupied HU | 639 (62.3%) |
| Renter Occupied HU | 173 (16.9%) |
| Vacant Housing Units | 213 (20.8%) |
| Median Home Value | $298,558 |
| Average Home Value | $362,602 |
Housing Distribution
Address Breakdown
Residential
554
Single Family
522
Multi-Family
32
Businesses
51
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 1865
1.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13160, Union Springs, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,025 (100%) |
| Owner Occupied HU | 639 (62.3%) |
| Renter Occupied HU | 173 (16.9%) |
| Vacant Housing Units | 213 (20.8%) |
| Median Home Value | $298,558 |
| Average Home Value | $362,602 |
Housing Distribution
Address Breakdown
Residential
554
Single Family
522
Multi-Family
32
Businesses
51
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Todd Post • Century 21 Post Realty
Mls Name: NYSAMLSs
Mls ID: #S1623897