91 Hawthorn LnAlleganyNY14706
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Allegany rentals match the income profile of 91 Hawthorn Ln, Allegany, NY, 14706. Listed at $399,900, gross rent is $3,942/mo and net cash flow is $1,272/mo, a 11.83% yield well above national averages. DSCR 2.08 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $110,485 by year five with $3,352/yr in annual principal reduction, projecting $226,787 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.2% |
| Monthly Cash Flow | $1,272 | $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 | $3,942 |
| Total Monthly Debt Service | $2,609 |
| DSCR Ratio | 1.51x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1993
5.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14706, Allegany, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,812 (100%) |
| Owner Occupied HU | 2,007 (71.4%) |
| Renter Occupied HU | 531 (18.9%) |
| Vacant Housing Units | 274 ( 9.7%) |
| Median Home Value | $172,217 |
| Average Home Value | $191,780 |
Housing Distribution
Address Breakdown
Residential
2,552
Single Family
2,506
Multi-Family
46
Businesses
155
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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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