522 Chenango Hill DrHamiltonNY13346
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 522 Chenango Hill Dr, Hamilton, NY, 13346 in Hamilton speaks for itself: 11.07% gross on a $365,000 price, generating $3,505/mo in rent and $817/mo in net income after the $1,641/mo debt service. DSCR 2.14, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,809 stacks alongside $100,843 in projected five-year appreciation and $3,362/yr in principal reduction. Projected total cumulative return: $207,948.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.2% |
| Monthly Cash Flow | $817 | $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 | $3,505 |
| Total Monthly Debt Service | $2,292 |
| DSCR Ratio | 1.53x |
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 2022
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13346, Hamilton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,144 (100%) |
| Owner Occupied HU | 1,139 (53.1%) |
| Renter Occupied HU | 537 (25.0%) |
| Vacant Housing Units | 468 (21.8%) |
| Median Home Value | $276,869 |
| Average Home Value | $339,098 |
Housing Distribution
Address Breakdown
Residential
1,802
Single Family
1,729
Multi-Family
73
Businesses
201
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 2022
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13346, Hamilton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,144 (100%) |
| Owner Occupied HU | 1,139 (53.1%) |
| Renter Occupied HU | 537 (25.0%) |
| Vacant Housing Units | 468 (21.8%) |
| Median Home Value | $276,869 |
| Average Home Value | $339,098 |
Housing Distribution
Address Breakdown
Residential
1,802
Single Family
1,729
Multi-Family
73
Businesses
201
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices