469 Main StOneontaNY13820








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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


Investment Highlights
Investment property for sale in Oneonta at 469 Main St, Oneonta, NY, 13820 earns $687/mo cash flow from $1,722/mo rent with a $759/mo payment. Total monthly income totals $1,722/mo, and annual cash flow totals $8,239/yr on $51,383 capital. ROI tracks 35.94% on current figures, and rental yield reads 13.33% at a $155,000 purchase. Equity gained on principal adds $1,000/yr, and 5% annual appreciation supports $42,824 over five years. Five-year ROI reaches 189.5% and total cumulative return in cash sums $97,372. Financing can be set up with Ziffy Mortgage’s DSCR loan, which is driven by $1,722/mo property income instead of your personal income.
Multi Family
Built in 1920
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13820, Oneonta, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,072 (100%) |
| Owner Occupied HU | 4,415 (48.7%) |
| Renter Occupied HU | 3,140 (34.6%) |
| Vacant Housing Units | 1,517 (16.7%) |
| Median Home Value | $201,323 |
| Average Home Value | $244,517 |
Housing Distribution
Address Breakdown
Residential
8,152
Single Family
7,623
Multi-Family
529
Businesses
1,010
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Listed by: Rebecca Ryan • Oneonta Realty LLC
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #R1565729
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