8011 State Route 55GrahamsvilleNY12740
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play8011 State Route 55, Grahamsville, NY, 12740 in Grahamsville is priced for appreciation, not yield. Rental yield 2.69%. At $749,000 with a 2.69% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $206,935 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.47) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $57,785.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 6.2% |
| Monthly Cash Flow | $(3,322) | $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 | $1,680 |
| Total Monthly Debt Service | $4,886 |
| DSCR Ratio | 0.34x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12740, Grahamsville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,242 (100%) |
| Owner Occupied HU | 637 (51.3%) |
| Renter Occupied HU | 161 (13.0%) |
| Vacant Housing Units | 444 (35.7%) |
| Median Home Value | $555,029 |
| Average Home Value | $574,867 |
Housing Distribution
Address Breakdown
Residential
760
Single Family
760
Multi-Family
0
Businesses
41
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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
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Listed by: N/A • N/A
Mls Name: HVCRMLS
Mls Provider:
Mls ID: #20265633
