8345 Willow StEvans MillsNY13637
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow8345 Willow St, Evans Mills, NY, 13637 in Evans Mills is a solid income-producing rental, 10.3% gross yield, $1,932/mo rent, $429/mo net cash flow on a $225,000 buy. DSCR 1.91 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $62,163 and $2,072/yr in principal reduction project a total cumulative return of $113,436.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $429 | $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 | $1,932 |
| Total Monthly Debt Service | $1,413 |
| DSCR Ratio | 1.37x |
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 1955
1.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13637, Evans Mills, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,611 (100%) |
| Owner Occupied HU | 774 (29.6%) |
| Renter Occupied HU | 1,480 (56.7%) |
| Vacant Housing Units | 357 (13.7%) |
| Median Home Value | $221,495 |
| Average Home Value | $221,567 |
Housing Distribution
Address Breakdown
Residential
2,119
Single Family
1,490
Multi-Family
629
Businesses
112
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 1955
1.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13637, Evans Mills, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,611 (100%) |
| Owner Occupied HU | 774 (29.6%) |
| Renter Occupied HU | 1,480 (56.7%) |
| Vacant Housing Units | 357 (13.7%) |
| Median Home Value | $221,495 |
| Average Home Value | $221,567 |
Housing Distribution
Address Breakdown
Residential
2,119
Single Family
1,490
Multi-Family
629
Businesses
112
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices