435 Main StOneontaNY13820
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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
Investment Highlights
Rental property for sale in Oneonta at 435 Main St, Oneonta, NY, 13820 priced at $224,900 pairs $1,556/mo rent with $54/mo cash flow after a $1,101/mo payment. Total monthly income equals $1,556/mo, and annual cash flow comes to $647/yr on $74,554 invested. Return on cash invested is 20.78% in year one, and rental yield stands at 8.3% on a $224,900 basis. Equity gained on principal adds $1,451/yr, and 5% annual appreciation accumulates to $62,136 by year five. Five-year ROI measures 108.13% and total cumulative return in cash reaches $80,617. For financing, Ziffy Mortgage’s DSCR program evaluates $1,556/mo property income against a $1,101/mo payment instead of your W2s, 1099s, or Tax returns.
Single Family
Built in 1900
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13820, Oneonta, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,072 (100%) |
| Owner Occupied HU | 4,415 (48.7%) |
| Renter Occupied HU | 3,140 (34.6%) |
| Vacant Housing Units | 1,517 (16.7%) |
| Median Home Value | $201,323 |
| Average Home Value | $244,517 |
Housing Distribution
Address Breakdown
Residential
8,152
Single Family
7,623
Multi-Family
529
Businesses
1,010
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