7150 Omphalius RdColdenNY14033
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 7150 Omphalius Rd, Colden, NY, 14033 in Colden: $3,576/mo in rent, $238/mo in net income, 8.58% gross yield, 1.59 DSCR, all at $499,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $138,113 in appreciation and $4,604/yr in principal paydown projects total cumulative return of $205,938.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $238 | $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 | $3,576 |
| Total Monthly Debt Service | $3,139 |
| DSCR Ratio | 1.14x |
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 1966
3.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14033, Colden, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,108 (100%) |
| Owner Occupied HU | 897 (81.0%) |
| Renter Occupied HU | 122 (11.0%) |
| Vacant Housing Units | 89 ( 8.0%) |
| Median Home Value | $385,991 |
| Average Home Value | $413,556 |
Housing Distribution
Address Breakdown
Residential
922
Single Family
922
Multi-Family
0
Businesses
56
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 1966
3.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14033, Colden, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,108 (100%) |
| Owner Occupied HU | 897 (81.0%) |
| Renter Occupied HU | 122 (11.0%) |
| Vacant Housing Units | 89 ( 8.0%) |
| Median Home Value | $385,991 |
| Average Home Value | $413,556 |
Housing Distribution
Address Breakdown
Residential
922
Single Family
922
Multi-Family
0
Businesses
56
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices