5469 State Route 55LibertyNY12754
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 5469 State Route 55, Liberty, NY, 12754 in Liberty speaks for itself: 10.48% gross on a $339,000 price, generating $2,961/mo in rent and $697/mo in net income after the $1,524/mo debt service. DSCR 1.94, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,367 stacks alongside $93,659 in projected five-year appreciation and $3,122/yr in principal reduction. Projected total cumulative return: $174,187.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $697 | $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 | $2,961 |
| Total Monthly Debt Service | $2,129 |
| DSCR Ratio | 1.39x |
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.
Multi Family
Built in 1933
4.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12754, Liberty, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,939 (100%) |
| Owner Occupied HU | 1,393 (35.4%) |
| Renter Occupied HU | 1,559 (39.6%) |
| Vacant Housing Units | 987 (25.1%) |
| Median Home Value | $194,375 |
| Average Home Value | $269,494 |
Housing Distribution
Address Breakdown
Residential
3,082
Single Family
2,661
Multi-Family
421
Businesses
348
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
Multi Family
Built in 1933
4.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12754, Liberty, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,939 (100%) |
| Owner Occupied HU | 1,393 (35.4%) |
| Renter Occupied HU | 1,559 (39.6%) |
| Vacant Housing Units | 987 (25.1%) |
| Median Home Value | $194,375 |
| Average Home Value | $269,494 |
Housing Distribution
Address Breakdown
Residential
3,082
Single Family
2,661
Multi-Family
421
Businesses
348
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices