4496-4496A State Highway 812HeuveltonNY13654
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Heuvelton rentals match the income profile of 4496-4496A State Highway 812, Heuvelton, NY, 13654. Listed at $250,000, gross rent is $4,018/mo and net cash flow is $2,348/mo, a 19.28% yield well above national averages. DSCR 3.57 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $69,070 by year five with $2,303/yr in annual principal reduction, projecting $246,517 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 19.3% | 6.2% |
| Monthly Cash Flow | $2,348 | $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 | $4,018 |
| Total Monthly Debt Service | $1,570 |
| DSCR Ratio | 2.56x |
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 1880
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13654, Heuvelton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,016 (100%) |
| Owner Occupied HU | 749 (73.7%) |
| Renter Occupied HU | 170 (16.7%) |
| Vacant Housing Units | 97 ( 9.5%) |
| Median Home Value | $164,549 |
| Average Home Value | $183,111 |
Housing Distribution
Address Breakdown
Residential
816
Single Family
792
Multi-Family
24
Businesses
38
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 1880
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13654, Heuvelton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,016 (100%) |
| Owner Occupied HU | 749 (73.7%) |
| Renter Occupied HU | 170 (16.7%) |
| Vacant Housing Units | 97 ( 9.5%) |
| Median Home Value | $164,549 |
| Average Home Value | $183,111 |
Housing Distribution
Address Breakdown
Residential
816
Single Family
792
Multi-Family
24
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices