552 County Highway 1Mount UptonNY13809
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 552 County Highway 1, Mount Upton, NY, 13809 in Mount Upton speaks for itself: 10.23% gross on a $327,500 price, generating $2,791/mo in rent and $604/mo in net income after the $1,473/mo debt service. DSCR 1.89, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,251 stacks alongside $90,482 in projected five-year appreciation and $3,016/yr in principal reduction. Projected total cumulative return: $163,726.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.2% |
| Monthly Cash Flow | $604 | $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 | $2,791 |
| Total Monthly Debt Service | $2,057 |
| DSCR Ratio | 1.36x |
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.
Manufactured
Built in 2000
4.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13809, Mount Upton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 852 (100%) |
| Owner Occupied HU | 551 (64.7%) |
| Renter Occupied HU | 98 (11.5%) |
| Vacant Housing Units | 203 (23.8%) |
| Median Home Value | $173,833 |
| Average Home Value | $197,695 |
Housing Distribution
Address Breakdown
Residential
629
Single Family
629
Multi-Family
0
Businesses
21
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
Manufactured
Built in 2000
4.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13809, Mount Upton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 852 (100%) |
| Owner Occupied HU | 551 (64.7%) |
| Renter Occupied HU | 98 (11.5%) |
| Vacant Housing Units | 203 (23.8%) |
| Median Home Value | $173,833 |
| Average Home Value | $197,695 |
Housing Distribution
Address Breakdown
Residential
629
Single Family
629
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Benjamin Holscher • Keller Williams Upstate NY Properties
Mls Name: NYSAMLSs
Mls ID: #R1647719