5135 State Route 5VernonNY13476
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 5135 State Route 5, Vernon, NY, 13476 in Vernon at $199,500. Rental yield 7.58%. The 7.58% yield and 1.40 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $55,118 by year five, and $1,837/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $71,475.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $(72) | $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 | $1,260 |
| Total Monthly Debt Service | $1,253 |
| DSCR Ratio | 1.01x |
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 1934
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13476, Vernon, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,472 (100%) |
| Owner Occupied HU | 940 (63.9%) |
| Renter Occupied HU | 423 (28.7%) |
| Vacant Housing Units | 109 ( 7.4%) |
| Median Home Value | $200,743 |
| Average Home Value | $237,830 |
Housing Distribution
Address Breakdown
Residential
1,096
Single Family
1,026
Multi-Family
70
Businesses
88
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 1934
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13476, Vernon, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,472 (100%) |
| Owner Occupied HU | 940 (63.9%) |
| Renter Occupied HU | 423 (28.7%) |
| Vacant Housing Units | 109 ( 7.4%) |
| Median Home Value | $200,743 |
| Average Home Value | $237,830 |
Housing Distribution
Address Breakdown
Residential
1,096
Single Family
1,026
Multi-Family
70
Businesses
88
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices