8184 State Route 20Oriskany FallsNY13425
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 8184 State Route 20, Oriskany Falls, NY, 13425 in Oriskany Falls. Rental yield 7.27%. The 1.35 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $54,704 and $1,824/yr in principal reduction project total return of $67,646.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $(122) | $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 | $1,200 |
| Total Monthly Debt Service | $1,243 |
| DSCR Ratio | 0.97x |
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.
Multi Family
Built in 1895
1.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13425, Oriskany Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 921 (100%) |
| Owner Occupied HU | 606 (65.8%) |
| Renter Occupied HU | 234 (25.4%) |
| Vacant Housing Units | 81 ( 8.8%) |
| Median Home Value | $180,645 |
| Average Home Value | $193,379 |
Housing Distribution
Address Breakdown
Residential
700
Single Family
632
Multi-Family
68
Businesses
33
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
Multi Family
Built in 1895
1.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13425, Oriskany Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 921 (100%) |
| Owner Occupied HU | 606 (65.8%) |
| Renter Occupied HU | 234 (25.4%) |
| Vacant Housing Units | 81 ( 8.8%) |
| Median Home Value | $180,645 |
| Average Home Value | $193,379 |
Housing Distribution
Address Breakdown
Residential
700
Single Family
632
Multi-Family
68
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices