6381 State Route 26Whitney PtNY13862
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $159,900, 6381 State Route 26, Whitney Pt, NY, 13862 in Whitney Pt generates $1,260/mo in rent (9.46% yield) but nets only $192/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.75) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $44,177. Total projected return: $73,351.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $192 | $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 | $1,260 |
| Total Monthly Debt Service | $1,004 |
| DSCR Ratio | 1.25x |
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 1973
3.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13862, Whitney Point, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,878 (100%) |
| Owner Occupied HU | 1,267 (67.5%) |
| Renter Occupied HU | 377 (20.1%) |
| Vacant Housing Units | 234 (12.5%) |
| Median Home Value | $184,821 |
| Average Home Value | $210,679 |
Housing Distribution
Address Breakdown
Residential
1,457
Single Family
1,434
Multi-Family
23
Businesses
89
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 1973
3.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13862, Whitney Point, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,878 (100%) |
| Owner Occupied HU | 1,267 (67.5%) |
| Renter Occupied HU | 377 (20.1%) |
| Vacant Housing Units | 234 (12.5%) |
| Median Home Value | $184,821 |
| Average Home Value | $210,679 |
Housing Distribution
Address Breakdown
Residential
1,457
Single Family
1,434
Multi-Family
23
Businesses
89
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: William Lidell • YAMAN REAL ESTATE
Mls Name: GBMLS
Mls Provider:
Mls ID: #330709
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.