7320 Baker RdAdamsNY13605
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 7320 Baker Rd, Adams, NY, 13605 in Adams speaks for itself: 19.53% gross on a $269,000 price, generating $4,378/mo in rent and $2,581/mo in net income after the $1,210/mo debt service. DSCR 3.62, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $30,975 stacks alongside $74,320 in projected five-year appreciation and $2,478/yr in principal reduction. Projected total cumulative return: $268,717.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 19.5% | 6.2% |
| Monthly Cash Flow | $2,581 | $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 | $4,378 |
| Total Monthly Debt Service | $1,689 |
| DSCR Ratio | 2.59x |
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 1880
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13605, Adams, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,436 (100%) |
| Owner Occupied HU | 1,407 (57.8%) |
| Renter Occupied HU | 438 (18.0%) |
| Vacant Housing Units | 591 (24.3%) |
| Median Home Value | $215,392 |
| Average Home Value | $258,431 |
Housing Distribution
Address Breakdown
Residential
1,724
Single Family
1,616
Multi-Family
108
Businesses
92
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 1880
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13605, Adams, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,436 (100%) |
| Owner Occupied HU | 1,407 (57.8%) |
| Renter Occupied HU | 438 (18.0%) |
| Vacant Housing Units | 591 (24.3%) |
| Median Home Value | $215,392 |
| Average Home Value | $258,431 |
Housing Distribution
Address Breakdown
Residential
1,724
Single Family
1,616
Multi-Family
108
Businesses
92
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices