4492 Humphrey RdGreat ValleyNY14741
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4492 Humphrey Rd, Great Valley, NY, 14741 in Great Valley speaks for itself: 11.85% gross on a $249,900 price, generating $2,468/mo in rent and $800/mo in net income after the $1,185/mo debt service. DSCR 2.08, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,595 stacks alongside $69,043 in projected five-year appreciation and $2,095/yr in principal reduction. Projected total cumulative return: $142,025.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.2% |
| Monthly Cash Flow | $800 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,468 |
| Total Monthly Debt Service | $1,630 |
| DSCR Ratio | 1.51x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1900
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14741, Great Valley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,385 (100%) |
| Owner Occupied HU | 649 (46.9%) |
| Renter Occupied HU | 103 ( 7.4%) |
| Vacant Housing Units | 633 (45.7%) |
| Median Home Value | $148,670 |
| Average Home Value | $187,269 |
Housing Distribution
Address Breakdown
Residential
836
Single Family
836
Multi-Family
0
Businesses
30
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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
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Listed by: N/A • N/A
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #R1710862
