59 Otsego StCanajoharieNY13317
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 59 Otsego St, Canajoharie, NY, 13317 in Canajoharie delivers $1,473/mo in gross rent and $204/mo in net monthly income at a $190,000 entry. The 9.3% yield and 1.72 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $52,494 over five years and $1,750/yr in equity from loan paydown, total projected return is $85,659.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 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 Loan Qualification
| Monthly Rental Income | $1,473 |
| Total Monthly Debt Service | $1,193 |
| DSCR Ratio | 1.23x |
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 1860
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13317, Canajoharie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,753 (100%) |
| Owner Occupied HU | 1,072 (61.2%) |
| Renter Occupied HU | 422 (24.1%) |
| Vacant Housing Units | 259 (14.8%) |
| Median Home Value | $141,241 |
| Average Home Value | $206,182 |
Housing Distribution
Address Breakdown
Residential
1,579
Single Family
1,506
Multi-Family
73
Businesses
149
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 1860
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13317, Canajoharie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,753 (100%) |
| Owner Occupied HU | 1,072 (61.2%) |
| Renter Occupied HU | 422 (24.1%) |
| Vacant Housing Units | 259 (14.8%) |
| Median Home Value | $141,241 |
| Average Home Value | $206,182 |
Housing Distribution
Address Breakdown
Residential
1,579
Single Family
1,506
Multi-Family
73
Businesses
149
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NY State MLS
Mls ID: #11624498