47 Orchard Park RdPine CityNY14871
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 47 Orchard Park Rd, Pine City, NY, 14871 in Pine City speaks for itself: 12.92% gross on a $180,000 price, generating $1,938/mo in rent and $736/mo in net income after the $809/mo debt service. DSCR 2.40, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,832 stacks alongside $49,731 in projected five-year appreciation and $1,658/yr in principal reduction. Projected total cumulative return: $116,023.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.9% | 6.2% |
| Monthly Cash Flow | $736 | $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 | $1,938 |
| Total Monthly Debt Service | $1,130 |
| DSCR Ratio | 1.71x |
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 1955
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14871, Pine City, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,018 (100%) |
| Owner Occupied HU | 1,636 (81.1%) |
| Renter Occupied HU | 195 ( 9.7%) |
| Vacant Housing Units | 187 ( 9.3%) |
| Median Home Value | $197,727 |
| Average Home Value | $273,704 |
Housing Distribution
Address Breakdown
Residential
1,798
Single Family
1,766
Multi-Family
32
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 1955
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14871, Pine City, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,018 (100%) |
| Owner Occupied HU | 1,636 (81.1%) |
| Renter Occupied HU | 195 ( 9.7%) |
| Vacant Housing Units | 187 ( 9.3%) |
| Median Home Value | $197,727 |
| Average Home Value | $273,704 |
Housing Distribution
Address Breakdown
Residential
1,798
Single Family
1,766
Multi-Family
32
Businesses
67
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices