6864 State Route 3HarrisvilleNY13648
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Harrisville rentals match the income profile of 6864 State Route 3, Harrisville, NY, 13648. Listed at $125,000, gross rent is $3,354/mo and net cash flow is $2,519/mo, a 32.2% yield well above national averages. DSCR 5.97 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $34,535 by year five with $1,151/yr in annual principal reduction, projecting $209,839 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 32.2% | 6.2% |
| Monthly Cash Flow | $2,519 | $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 | $3,354 |
| Total Monthly Debt Service | $785 |
| DSCR Ratio | 4.27x |
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 1850
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13648, Harrisville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,791 (100%) |
| Owner Occupied HU | 795 (44.4%) |
| Renter Occupied HU | 178 ( 9.9%) |
| Vacant Housing Units | 818 (45.7%) |
| Median Home Value | $170,032 |
| Average Home Value | $213,912 |
Housing Distribution
Address Breakdown
Residential
783
Single Family
765
Multi-Family
18
Businesses
30
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 1850
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13648, Harrisville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,791 (100%) |
| Owner Occupied HU | 795 (44.4%) |
| Renter Occupied HU | 178 ( 9.9%) |
| Vacant Housing Units | 818 (45.7%) |
| Median Home Value | $170,032 |
| Average Home Value | $213,912 |
Housing Distribution
Address Breakdown
Residential
783
Single Family
765
Multi-Family
18
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices