48 S Main StSherburneNY13460
INVESTMENT ANALYSIS
Investment Verdict
Solid Income48 S Main St, Sherburne, NY, 13460 in Sherburne is a solid income-producing rental, 9.99% gross yield, $1,914/mo rent, $379/mo net cash flow on a $229,900 buy. DSCR 1.85 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $63,517 and $2,117/yr in principal reduction project a total cumulative return of $112,069.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.2% |
| Monthly Cash Flow | $379 | $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 | $1,914 |
| Total Monthly Debt Service | $1,444 |
| DSCR Ratio | 1.33x |
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
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13460, Sherburne, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,087 (100%) |
| Owner Occupied HU | 1,327 (63.6%) |
| Renter Occupied HU | 508 (24.3%) |
| Vacant Housing Units | 252 (12.1%) |
| Median Home Value | $148,070 |
| Average Home Value | $176,667 |
Housing Distribution
Address Breakdown
Residential
1,473
Single Family
1,387
Multi-Family
86
Businesses
118
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
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13460, Sherburne, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,087 (100%) |
| Owner Occupied HU | 1,327 (63.6%) |
| Renter Occupied HU | 508 (24.3%) |
| Vacant Housing Units | 252 (12.1%) |
| Median Home Value | $148,070 |
| Average Home Value | $176,667 |
Housing Distribution
Address Breakdown
Residential
1,473
Single Family
1,387
Multi-Family
86
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices