74 Seneca AveOneidaNY13421
INVESTMENT ANALYSIS
Investment Verdict
Solid Income74 Seneca Ave, Oneida, NY, 13421 in Oneida is a solid income-producing rental, 9.49% gross yield, $3,361/mo rent, $523/mo net cash flow on a $425,000 buy. DSCR 1.76 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $117,420 and $3,914/yr in principal reduction project a total cumulative return of $195,755.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $523 | $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 | $3,361 |
| Total Monthly Debt Service | $2,669 |
| DSCR Ratio | 1.26x |
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 1859
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13421, Oneida, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,145 (100%) |
| Owner Occupied HU | 3,407 (55.4%) |
| Renter Occupied HU | 2,160 (35.2%) |
| Vacant Housing Units | 578 ( 9.4%) |
| Median Home Value | $191,504 |
| Average Home Value | $268,352 |
Housing Distribution
Address Breakdown
Residential
5,713
Single Family
5,287
Multi-Family
426
Businesses
491
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 1859
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13421, Oneida, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,145 (100%) |
| Owner Occupied HU | 3,407 (55.4%) |
| Renter Occupied HU | 2,160 (35.2%) |
| Vacant Housing Units | 578 ( 9.4%) |
| Median Home Value | $191,504 |
| Average Home Value | $268,352 |
Housing Distribution
Address Breakdown
Residential
5,713
Single Family
5,287
Multi-Family
426
Businesses
491
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices