5373 Rowland RdLa FayetteNY13084
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 5373 Rowland Rd, La Fayette, NY, 13084 in La Fayette worth modelling. At $129,900 with a 9.17% gross yield, the $993/mo rent leaves $126/mo after the $584/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.70 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $35,889 by year five; $1,196/yr in principal reduction adds further equity. Total projected return: $57,656.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $126 | $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 | $993 |
| Total Monthly Debt Service | $816 |
| DSCR Ratio | 1.22x |
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
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13084, La Fayette, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,016 (100%) |
| Owner Occupied HU | 1,560 (77.4%) |
| Renter Occupied HU | 320 (15.9%) |
| Vacant Housing Units | 136 ( 6.7%) |
| Median Home Value | $253,203 |
| Average Home Value | $271,378 |
Housing Distribution
Address Breakdown
Residential
1,825
Single Family
1,603
Multi-Family
222
Businesses
124
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
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13084, La Fayette, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,016 (100%) |
| Owner Occupied HU | 1,560 (77.4%) |
| Renter Occupied HU | 320 (15.9%) |
| Vacant Housing Units | 136 ( 6.7%) |
| Median Home Value | $253,203 |
| Average Home Value | $271,378 |
Housing Distribution
Address Breakdown
Residential
1,825
Single Family
1,603
Multi-Family
222
Businesses
124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Corrie Oustad • Berkshire Hathaway HomeServices Heritage Realty
Mls Name: NYSAMLSs
Mls ID: #S1624151