48 3rd StLyon MountainNY12952
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.63% yield at 48 3rd St, Lyon Mountain, NY, 12952 in Lyon Mountain is solid, but the $625/mo payment compresses net cash flow to $187/mo at $139,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $38,403 by year five, and $1,280/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.78) without U.S. income documentation. Total projected return: $65,060.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $187 | $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 | $1,115 |
| Total Monthly Debt Service | $873 |
| DSCR Ratio | 1.28x |
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 1900
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12952, Lyon Mountain, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 317 (100%) |
| Owner Occupied HU | 172 (54.3%) |
| Renter Occupied HU | 36 (11.4%) |
| Vacant Housing Units | 109 (34.4%) |
| Median Home Value | $209,091 |
| Average Home Value | $261,381 |
Housing Distribution
Address Breakdown
Residential
138
Single Family
123
Multi-Family
15
Businesses
13
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 1900
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12952, Lyon Mountain, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 317 (100%) |
| Owner Occupied HU | 172 (54.3%) |
| Renter Occupied HU | 36 (11.4%) |
| Vacant Housing Units | 109 (34.4%) |
| Median Home Value | $209,091 |
| Average Home Value | $261,381 |
Housing Distribution
Address Breakdown
Residential
138
Single Family
123
Multi-Family
15
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Virginia McLaughlin • Red Door Realty & Associates
Mls Name: ACVMLS
Mls ID: #206037