461 Kirshman Hill RoadCherry ValleyNY13320
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 461 Kirshman Hill Road, Cherry Valley, NY, 13320 in Cherry Valley speaks for itself: 30.76% gross on a $150,000 price, generating $3,845/mo in rent and $2,843/mo in net income after the $674/mo debt service. DSCR 5.70, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $34,117 stacks alongside $41,442 in projected five-year appreciation and $1,382/yr in principal reduction. Projected total cumulative return: $240,224.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 30.8% | 6.2% |
| Monthly Cash Flow | $2,843 | $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 | $3,845 |
| Total Monthly Debt Service | $942 |
| DSCR Ratio | 4.08x |
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 1854
1.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13320, Cherry Valley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,094 (100%) |
| Owner Occupied HU | 675 (61.7%) |
| Renter Occupied HU | 125 (11.4%) |
| Vacant Housing Units | 294 (26.9%) |
| Median Home Value | $262,342 |
| Average Home Value | $330,133 |
Housing Distribution
Address Breakdown
Residential
723
Single Family
723
Multi-Family
0
Businesses
68
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 1854
1.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13320, Cherry Valley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,094 (100%) |
| Owner Occupied HU | 675 (61.7%) |
| Renter Occupied HU | 125 (11.4%) |
| Vacant Housing Units | 294 (26.9%) |
| Median Home Value | $262,342 |
| Average Home Value | $330,133 |
Housing Distribution
Address Breakdown
Residential
723
Single Family
723
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices