7 James StOneontaNY13820
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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
Investment Highlights
Investment property for sale in Oneonta at 7 James St, Oneonta, NY, 13820 offers a 9.88% rental yield on a $174,900 purchase with $1,440/mo rent. Total monthly income registers $1,440/mo, and a $856/mo payment leaves $272/mo available for distribution. Annual cash flow reaches $3,265/yr on $57,979 to close, and return on cash invested stands at 25.54% in year one. Equity gained on principal adds $1,129/yr while 5% annual appreciation supports $48,322 over five years. Portfolio math shows five-year ROI at 133.76% and total cumulative return in cash at $77,556. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $1,440/mo property income against a $856/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1930
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13820, Oneonta, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,072 (100%) |
| Owner Occupied HU | 4,415 (48.7%) |
| Renter Occupied HU | 3,140 (34.6%) |
| Vacant Housing Units | 1,517 (16.7%) |
| Median Home Value | $201,323 |
| Average Home Value | $244,517 |
Housing Distribution
Address Breakdown
Residential
8,152
Single Family
7,623
Multi-Family
529
Businesses
1,010
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