76 Hammond StBig FlatsNY14814
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 76 Hammond St, Big Flats, NY, 14814 in Big Flats speaks for itself: 11.68% gross on a $269,000 price, generating $2,617/mo in rent and $821/mo in net income after the $1,210/mo debt service. DSCR 2.16, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,850 stacks alongside $74,320 in projected five-year appreciation and $2,478/yr in principal reduction. Projected total cumulative return: $155,401.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.2% |
| Monthly Cash Flow | $821 | $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 | $2,617 |
| Total Monthly Debt Service | $1,689 |
| DSCR Ratio | 1.55x |
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 1900
1.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14814, Big Flats, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 814 (100%) |
| Owner Occupied HU | 620 (76.2%) |
| Renter Occupied HU | 139 (17.1%) |
| Vacant Housing Units | 55 ( 6.8%) |
| Median Home Value | $226,277 |
| Average Home Value | $267,149 |
Housing Distribution
Address Breakdown
Residential
787
Single Family
787
Multi-Family
0
Businesses
150
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
1.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14814, Big Flats, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 814 (100%) |
| Owner Occupied HU | 620 (76.2%) |
| Renter Occupied HU | 139 (17.1%) |
| Vacant Housing Units | 55 ( 6.8%) |
| Median Home Value | $226,277 |
| Average Home Value | $267,149 |
Housing Distribution
Address Breakdown
Residential
787
Single Family
787
Multi-Family
0
Businesses
150
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices