7069 State Highway 12NorwichNY13815
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 7069 State Highway 12, Norwich, NY, 13815 in Norwich is a conservative rental investment at $132,000. Rental yield 6.58%. A 1.22 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $36,469; $1,216/yr in principal paydown supplements. Total projected return: $40,201.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 6.2% |
| Monthly Cash Flow | $(158) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $724 |
| Total Monthly Debt Service | $829 |
| DSCR Ratio | 0.87x |
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
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13815, Norwich, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,669 (100%) |
| Owner Occupied HU | 3,585 (53.8%) |
| Renter Occupied HU | 2,142 (32.1%) |
| Vacant Housing Units | 942 (14.1%) |
| Median Home Value | $143,654 |
| Average Home Value | $181,555 |
Housing Distribution
Address Breakdown
Residential
5,761
Single Family
5,376
Multi-Family
385
Businesses
537
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
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13815, Norwich, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,669 (100%) |
| Owner Occupied HU | 3,585 (53.8%) |
| Renter Occupied HU | 2,142 (32.1%) |
| Vacant Housing Units | 942 (14.1%) |
| Median Home Value | $143,654 |
| Average Home Value | $181,555 |
Housing Distribution
Address Breakdown
Residential
5,761
Single Family
5,376
Multi-Family
385
Businesses
537
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices