6619 Hardys RdGainesvilleNY14066
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThere's a case for owning boring assets in strong markets. Rental yield 7.35%. It won't spike overnight, but it will produce quarter after quarter of U.S. dollar income with long-run appreciation. Ziffy Mortgage's DSCR loan removes U.S. income documentation barriers for non-residents. Five-year appreciation of $82,608 and $2,754/yr in equity build project total return of $103,440.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $(164) | $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 | $1,832 |
| Total Monthly Debt Service | $1,878 |
| 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 1900
4.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14066, Gainesville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 678 (100%) |
| Owner Occupied HU | 495 (73.0%) |
| Renter Occupied HU | 96 (14.2%) |
| Vacant Housing Units | 87 (12.8%) |
| Median Home Value | $164,258 |
| Average Home Value | $208,000 |
Housing Distribution
Address Breakdown
Residential
345
Single Family
345
Multi-Family
0
Businesses
20
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 1900
4.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14066, Gainesville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 678 (100%) |
| Owner Occupied HU | 495 (73.0%) |
| Renter Occupied HU | 96 (14.2%) |
| Vacant Housing Units | 87 (12.8%) |
| Median Home Value | $164,258 |
| Average Home Value | $208,000 |
Housing Distribution
Address Breakdown
Residential
345
Single Family
345
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Deborah Gillen • Howard Hanna
Mls Name: NYSAMLSs
Mls ID: #R1657424