46 Liberty StCarthageNY13619
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe headline number at 46 Liberty St, Carthage, NY, 13619 in Carthage is the 1.53 coverage ratio: rent of $1,482/mo versus a $966/mo debt payment on a $214,900 property. Rental yield 7.91%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $59,373 by year five, with $1,979/yr in equity from paydown. Total projected cumulative return: $85,004.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $(20) | $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 | $1,482 |
| Total Monthly Debt Service | $1,350 |
| DSCR Ratio | 1.10x |
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 1978
0.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13619, Carthage, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,342 (100%) |
| Owner Occupied HU | 2,743 (51.3%) |
| Renter Occupied HU | 1,786 (33.4%) |
| Vacant Housing Units | 813 (15.2%) |
| Median Home Value | $202,417 |
| Average Home Value | $239,043 |
Housing Distribution
Address Breakdown
Residential
4,248
Single Family
3,726
Multi-Family
522
Businesses
213
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 1978
0.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13619, Carthage, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,342 (100%) |
| Owner Occupied HU | 2,743 (51.3%) |
| Renter Occupied HU | 1,786 (33.4%) |
| Vacant Housing Units | 813 (15.2%) |
| Median Home Value | $202,417 |
| Average Home Value | $239,043 |
Housing Distribution
Address Breakdown
Residential
4,248
Single Family
3,726
Multi-Family
522
Businesses
213
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices