56 Garfield StHollandNY14080
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 56 Garfield St, Holland, NY, 14080 in Holland earns a 9.63% gross yield at $200,000. Rent of $1,606/mo nets $270/mo after the $899/mo mortgage. The 1.79 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $55,256 and $1,842/yr in equity accumulation project a total cumulative return of $93,719.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $270 | $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 | $1,606 |
| Total Monthly Debt Service | $1,256 |
| DSCR Ratio | 1.28x |
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 1931
0.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14080, Holland, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,938 (100%) |
| Owner Occupied HU | 1,491 (76.9%) |
| Renter Occupied HU | 284 (14.7%) |
| Vacant Housing Units | 163 ( 8.4%) |
| Median Home Value | $316,134 |
| Average Home Value | $351,081 |
Housing Distribution
Address Breakdown
Residential
1,717
Single Family
1,693
Multi-Family
24
Businesses
94
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 1931
0.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14080, Holland, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,938 (100%) |
| Owner Occupied HU | 1,491 (76.9%) |
| Renter Occupied HU | 284 (14.7%) |
| Vacant Housing Units | 163 ( 8.4%) |
| Median Home Value | $316,134 |
| Average Home Value | $351,081 |
Housing Distribution
Address Breakdown
Residential
1,717
Single Family
1,693
Multi-Family
24
Businesses
94
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices