55 Pine StreetGranvilleNY12832
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow55 Pine Street, Granville, NY, 12832 in Granville is a top-tier cash-flow asset. At $120,000 it produces $1,603/mo in rent and $802/mo in net monthly income, a 16.03% gross rental yield. The DSCR of 2.97 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $9,620. Five-year appreciation adds $33,154, driving a total cumulative return of $97,305.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 16% | 6.2% |
| Monthly Cash Flow | $802 | $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 | $1,603 |
| Total Monthly Debt Service | $754 |
| DSCR Ratio | 2.13x |
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
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12832, Granville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,102 (100%) |
| Owner Occupied HU | 2,057 (66.3%) |
| Renter Occupied HU | 657 (21.2%) |
| Vacant Housing Units | 388 (12.5%) |
| Median Home Value | $180,170 |
| Average Home Value | $234,281 |
Housing Distribution
Address Breakdown
Residential
2,781
Single Family
2,740
Multi-Family
41
Businesses
162
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
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12832, Granville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,102 (100%) |
| Owner Occupied HU | 2,057 (66.3%) |
| Renter Occupied HU | 657 (21.2%) |
| Vacant Housing Units | 388 (12.5%) |
| Median Home Value | $180,170 |
| Average Home Value | $234,281 |
Housing Distribution
Address Breakdown
Residential
2,781
Single Family
2,740
Multi-Family
41
Businesses
162
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices