86 Clinton StNew York MillsNY13417
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 86 Clinton St, New York Mills, NY, 13417 in New York Mills. Rental yield 5.67%. At $295,000 with 5.67% gross yield, current distributions are modest, but the 5% appreciation rate projects $81,503 in new equity by year five, complemented by $2,473/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.00) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $69,827.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.2% |
| Monthly Cash Flow | $(577) | $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 | $1,393 |
| Total Monthly Debt Service | $1,925 |
| DSCR Ratio | 0.72x |
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 1884
1.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13417, New York Mills, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,663 (100%) |
| Owner Occupied HU | 654 (39.3%) |
| Renter Occupied HU | 839 (50.5%) |
| Vacant Housing Units | 170 (10.2%) |
| Median Home Value | $172,248 |
| Average Home Value | $199,247 |
Housing Distribution
Address Breakdown
Residential
1,705
Single Family
1,420
Multi-Family
285
Businesses
135
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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: NYSAMLSs
Mls Provider:
Mls ID: #S1715026
