452 Hagadorn Hill RdSpencerNY14883
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Spencer rentals match the income profile of 452 Hagadorn Hill Rd, Spencer, NY, 14883. Listed at $195,000, gross rent is $2,777/mo and net cash flow is $1,475/mo, a 17.09% yield well above national averages. DSCR 3.17 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $53,875 by year five with $1,796/yr in annual principal reduction, projecting $169,297 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 17.1% | 6.2% |
| Monthly Cash Flow | $1,475 | $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 | $2,777 |
| Total Monthly Debt Service | $1,225 |
| DSCR Ratio | 2.27x |
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 2007
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14883, Spencer, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,715 (100%) |
| Owner Occupied HU | 1,140 (66.5%) |
| Renter Occupied HU | 383 (22.3%) |
| Vacant Housing Units | 192 (11.2%) |
| Median Home Value | $191,905 |
| Average Home Value | $236,441 |
Housing Distribution
Address Breakdown
Residential
1,633
Single Family
1,621
Multi-Family
12
Businesses
84
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 2007
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14883, Spencer, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,715 (100%) |
| Owner Occupied HU | 1,140 (66.5%) |
| Renter Occupied HU | 383 (22.3%) |
| Vacant Housing Units | 192 (11.2%) |
| Median Home Value | $191,905 |
| Average Home Value | $236,441 |
Housing Distribution
Address Breakdown
Residential
1,633
Single Family
1,621
Multi-Family
12
Businesses
84
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices