78 S Main StAvocaNY14809
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 78 S Main St, Avoca, NY, 14809 in Avoca at $269,900. Rental yield 7.44%. The 7.44% yield and 1.38 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $74,568 by year five, and $2,486/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $94,652.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $(128) | $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 | $1,674 |
| Total Monthly Debt Service | $1,695 |
| DSCR Ratio | 0.99x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14809, Avoca, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,247 (100%) |
| Owner Occupied HU | 778 (62.4%) |
| Renter Occupied HU | 200 (16.0%) |
| Vacant Housing Units | 269 (21.6%) |
| Median Home Value | $130,128 |
| Average Home Value | $189,846 |
Housing Distribution
Address Breakdown
Residential
850
Single Family
850
Multi-Family
0
Businesses
63
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
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14809, Avoca, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,247 (100%) |
| Owner Occupied HU | 778 (62.4%) |
| Renter Occupied HU | 200 (16.0%) |
| Vacant Housing Units | 269 (21.6%) |
| Median Home Value | $130,128 |
| Average Home Value | $189,846 |
Housing Distribution
Address Breakdown
Residential
850
Single Family
850
Multi-Family
0
Businesses
63
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices