52 Risley RdDe Kalb JunctionNY13630
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 52 Risley Rd, De Kalb Junction, NY, 13630 in De Kalb Junction: $2,450/mo in rent, $447/mo in net income, 9.8% gross yield, 1.82 DSCR, all at $300,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $82,884 in appreciation and $2,763/yr in principal paydown projects total cumulative return of $143,128.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $447 | $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 | $2,450 |
| Total Monthly Debt Service | $1,884 |
| DSCR Ratio | 1.30x |
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 1990
9.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13630, De Kalb Junction, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 586 (100%) |
| Owner Occupied HU | 421 (71.8%) |
| Renter Occupied HU | 101 (17.2%) |
| Vacant Housing Units | 64 (10.9%) |
| Median Home Value | $141,447 |
| Average Home Value | $182,904 |
Housing Distribution
Address Breakdown
Residential
439
Single Family
425
Multi-Family
14
Businesses
17
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 1990
9.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13630, De Kalb Junction, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 586 (100%) |
| Owner Occupied HU | 421 (71.8%) |
| Renter Occupied HU | 101 (17.2%) |
| Vacant Housing Units | 64 (10.9%) |
| Median Home Value | $141,447 |
| Average Home Value | $182,904 |
Housing Distribution
Address Breakdown
Residential
439
Single Family
425
Multi-Family
14
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brittany Matott • County Seat Realty
Mls Name: SLCMLS
Mls ID: #51470