677 Ruddy RdChase MillsNY13621
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Chase Mills rental at 677 Ruddy Rd, Chase Mills, NY, 13621 sits in the solid-income band: 9.51% gross yield, $1,783/mo rent, $281/mo net after the $1,012/mo debt service, DSCR 1.76. Entry price of $225,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $62,163 and $2,072/yr in principal reduction bring total cumulative return to $103,836.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $281 | $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 | $1,783 |
| Total Monthly Debt Service | $1,413 |
| DSCR Ratio | 1.26x |
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 1968
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13621, Chase Mills, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 281 (100%) |
| Owner Occupied HU | 162 (57.7%) |
| Renter Occupied HU | 44 (15.7%) |
| Vacant Housing Units | 75 (26.7%) |
| Median Home Value | $170,513 |
| Average Home Value | $223,642 |
Housing Distribution
Address Breakdown
Residential
262
Single Family
244
Multi-Family
18
Businesses
6
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 1968
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13621, Chase Mills, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 281 (100%) |
| Owner Occupied HU | 162 (57.7%) |
| Renter Occupied HU | 44 (15.7%) |
| Vacant Housing Units | 75 (26.7%) |
| Median Home Value | $170,513 |
| Average Home Value | $223,642 |
Housing Distribution
Address Breakdown
Residential
262
Single Family
244
Multi-Family
18
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amanda Fiacco • Fiacco Realty, LLC
Mls Name: SLCMLS
Mls ID: #51883