55 Baker Hill RoadRoscoeNY12776
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 55 Baker Hill Road, Roscoe, NY, 12776 in Roscoe speaks for itself: 18.13% gross on a $139,000 price, generating $2,100/mo in rent and $1,172/mo in net income after the $625/mo debt service. DSCR 3.36, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,061 stacks alongside $38,403 in projected five-year appreciation and $1,280/yr in principal reduction. Projected total cumulative return: $128,468.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 18.1% | 6.2% |
| Monthly Cash Flow | $1,172 | $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 | $2,100 |
| Total Monthly Debt Service | $873 |
| DSCR Ratio | 2.41x |
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 1970
1.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12776, Roscoe, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,072 (100%) |
| Owner Occupied HU | 700 (33.8%) |
| Renter Occupied HU | 206 ( 9.9%) |
| Vacant Housing Units | 1,166 (56.3%) |
| Median Home Value | $330,216 |
| Average Home Value | $391,886 |
Housing Distribution
Address Breakdown
Residential
847
Single Family
847
Multi-Family
0
Businesses
80
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 1970
1.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12776, Roscoe, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,072 (100%) |
| Owner Occupied HU | 700 (33.8%) |
| Renter Occupied HU | 206 ( 9.9%) |
| Vacant Housing Units | 1,166 (56.3%) |
| Median Home Value | $330,216 |
| Average Home Value | $391,886 |
Housing Distribution
Address Breakdown
Residential
847
Single Family
847
Multi-Family
0
Businesses
80
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices