5972 New Hartford StWolcottNY14590
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 5972 New Hartford St, Wolcott, NY, 14590 in Wolcott deserves attention. This $139,900 property earns $1,666/mo in rent, a 14.29% gross yield, and nets $731/mo after the $629/mo payment. DSCR 2.65 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $38,652 compounds alongside $1,288/yr in yearly equity build, for a total cumulative return of $100,468.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 14.3% | 6.2% |
| Monthly Cash Flow | $731 | $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 | $1,666 |
| Total Monthly Debt Service | $879 |
| DSCR Ratio | 1.90x |
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 1890
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14590, Wolcott, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,102 (100%) |
| Owner Occupied HU | 1,595 (51.4%) |
| Renter Occupied HU | 491 (15.8%) |
| Vacant Housing Units | 1,016 (32.8%) |
| Median Home Value | $174,093 |
| Average Home Value | $275,473 |
Housing Distribution
Address Breakdown
Residential
2,368
Single Family
2,268
Multi-Family
100
Businesses
159
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 1890
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14590, Wolcott, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,102 (100%) |
| Owner Occupied HU | 1,595 (51.4%) |
| Renter Occupied HU | 491 (15.8%) |
| Vacant Housing Units | 1,016 (32.8%) |
| Median Home Value | $174,093 |
| Average Home Value | $275,473 |
Housing Distribution
Address Breakdown
Residential
2,368
Single Family
2,268
Multi-Family
100
Businesses
159
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices