80 County Route 408WesterloNY12193
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 80 County Route 408, Westerlo, NY, 12193 in Westerlo is straightforward: $525,000 in, $3,906/mo in rent, $400/mo out after debt service. The 8.93% gross yield and 1.65 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $145,048 by year five. With $4,835/yr in principal equity, the total cumulative return is projected at $225,928.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $400 | $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 | $3,906 |
| Total Monthly Debt Service | $3,297 |
| DSCR Ratio | 1.18x |
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 1849
17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12193, Westerlo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 935 (100%) |
| Owner Occupied HU | 691 (73.9%) |
| Renter Occupied HU | 111 (11.9%) |
| Vacant Housing Units | 133 (14.2%) |
| Median Home Value | $322,789 |
| Average Home Value | $353,795 |
Housing Distribution
Address Breakdown
Residential
840
Single Family
840
Multi-Family
0
Businesses
21
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 1849
17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12193, Westerlo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 935 (100%) |
| Owner Occupied HU | 691 (73.9%) |
| Renter Occupied HU | 111 (11.9%) |
| Vacant Housing Units | 133 (14.2%) |
| Median Home Value | $322,789 |
| Average Home Value | $353,795 |
Housing Distribution
Address Breakdown
Residential
840
Single Family
840
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices