5814 Us Route 20La FayetteNY13084
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderRental yield 7.39%. No single metric is exceptional, but the combination offers a durable, low-volatility return profile suitable for risk-conscious global investors. Ziffy Mortgage's mortgage qualifies on DSCR alone, no U.S. credit history required. Five-year appreciation adds $107,722, and $3,591/yr in principal equity projects total return of $135,593.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $(204) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $2,449 |
| DSCR Ratio | 0.98x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1964
2.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13084, La Fayette, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,016 (100%) |
| Owner Occupied HU | 1,560 (77.4%) |
| Renter Occupied HU | 320 (15.9%) |
| Vacant Housing Units | 136 ( 6.7%) |
| Median Home Value | $253,203 |
| Average Home Value | $271,378 |
Housing Distribution
Address Breakdown
Residential
1,825
Single Family
1,603
Multi-Family
222
Businesses
124
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 1964
2.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13084, La Fayette, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,016 (100%) |
| Owner Occupied HU | 1,560 (77.4%) |
| Renter Occupied HU | 320 (15.9%) |
| Vacant Housing Units | 136 ( 6.7%) |
| Median Home Value | $253,203 |
| Average Home Value | $271,378 |
Housing Distribution
Address Breakdown
Residential
1,825
Single Family
1,603
Multi-Family
222
Businesses
124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NYSAMLSs
Mls ID: #S1680366