756 Sturgeon Point RdDerbyNY14047
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow756 Sturgeon Point Rd, Derby, NY, 14047 in Derby is a top-tier cash-flow asset. At $389,900 it produces $5,550/mo in rent and $2,946/mo in net monthly income, a 17.08% gross rental yield. The DSCR of 3.17 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $35,356. Five-year appreciation adds $107,722, driving a total cumulative return of $338,285.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 17.1% | 6.2% |
| Monthly Cash Flow | $2,946 | $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 | $5,550 |
| Total Monthly Debt Service | $2,449 |
| DSCR Ratio | 2.27x |
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 1972
7.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14047, Derby, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,786 (100%) |
| Owner Occupied HU | 2,167 (77.8%) |
| Renter Occupied HU | 452 (16.2%) |
| Vacant Housing Units | 167 ( 6.0%) |
| Median Home Value | $298,077 |
| Average Home Value | $458,254 |
Housing Distribution
Address Breakdown
Residential
2,713
Single Family
2,411
Multi-Family
302
Businesses
175
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 1972
7.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14047, Derby, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,786 (100%) |
| Owner Occupied HU | 2,167 (77.8%) |
| Renter Occupied HU | 452 (16.2%) |
| Vacant Housing Units | 167 ( 6.0%) |
| Median Home Value | $298,077 |
| Average Home Value | $458,254 |
Housing Distribution
Address Breakdown
Residential
2,713
Single Family
2,411
Multi-Family
302
Businesses
175
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices