839 State Highway 7UnadillaNY13849
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 839 State Highway 7, Unadilla, NY, 13849 in Unadilla speaks for itself: 21.49% gross on a $147,000 price, generating $2,633/mo in rent and $1,651/mo in net income after the $661/mo debt service. DSCR 3.98, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $19,814 stacks alongside $40,613 in projected five-year appreciation and $1,354/yr in principal reduction. Projected total cumulative return: $162,319.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 21.5% | 6.2% |
| Monthly Cash Flow | $1,651 | $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 | $2,633 |
| Total Monthly Debt Service | $923 |
| DSCR Ratio | 2.85x |
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 1880
2.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13849, Unadilla, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,495 (100%) |
| Owner Occupied HU | 1,650 (66.1%) |
| Renter Occupied HU | 383 (15.4%) |
| Vacant Housing Units | 462 (18.5%) |
| Median Home Value | $136,614 |
| Average Home Value | $187,236 |
Housing Distribution
Address Breakdown
Residential
1,740
Single Family
1,561
Multi-Family
179
Businesses
84
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 1880
2.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13849, Unadilla, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,495 (100%) |
| Owner Occupied HU | 1,650 (66.1%) |
| Renter Occupied HU | 383 (15.4%) |
| Vacant Housing Units | 462 (18.5%) |
| Median Home Value | $136,614 |
| Average Home Value | $187,236 |
Housing Distribution
Address Breakdown
Residential
1,740
Single Family
1,561
Multi-Family
179
Businesses
84
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices