45 W Main StMorrisvilleNY13408
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 45 W Main St, Morrisville, NY, 13408 in Morrisville speaks for itself: 25.07% gross on a $139,900 price, generating $2,923/mo in rent and $1,989/mo in net income after the $629/mo debt service. DSCR 4.65, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $23,868 stacks alongside $38,652 in projected five-year appreciation and $1,288/yr in principal reduction. Projected total cumulative return: $181,348.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 25.1% | 6.2% |
| Monthly Cash Flow | $1,989 | $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 | $2,923 |
| Total Monthly Debt Service | $879 |
| DSCR Ratio | 3.33x |
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 1878
0.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13408, Morrisville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,127 (100%) |
| Owner Occupied HU | 695 (61.7%) |
| Renter Occupied HU | 257 (22.8%) |
| Vacant Housing Units | 175 (15.5%) |
| Median Home Value | $187,206 |
| Average Home Value | $243,475 |
Housing Distribution
Address Breakdown
Residential
774
Single Family
749
Multi-Family
25
Businesses
67
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 1878
0.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13408, Morrisville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,127 (100%) |
| Owner Occupied HU | 695 (61.7%) |
| Renter Occupied HU | 257 (22.8%) |
| Vacant Housing Units | 175 (15.5%) |
| Median Home Value | $187,206 |
| Average Home Value | $243,475 |
Housing Distribution
Address Breakdown
Residential
774
Single Family
749
Multi-Family
25
Businesses
67
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices