9454 State Route 28PolandNY13431
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow9454 State Route 28, Poland, NY, 13431 in Poland earns its strong cash-flow label: 16.66% yield, $2,290/mo rent, $1,188/mo net income, DSCR 3.09. The $164,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $45,559 by year five. Combined with $1,519/yr in principal paydown, total projected return reaches $139,409.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 16.7% | 6.2% |
| Monthly Cash Flow | $1,188 | $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 | $2,290 |
| Total Monthly Debt Service | $1,036 |
| DSCR Ratio | 2.21x |
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 1820
0.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13431, Poland, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 855 (100%) |
| Owner Occupied HU | 655 (76.6%) |
| Renter Occupied HU | 111 (13.0%) |
| Vacant Housing Units | 89 (10.4%) |
| Median Home Value | $196,536 |
| Average Home Value | $214,561 |
Housing Distribution
Address Breakdown
Residential
639
Single Family
639
Multi-Family
0
Businesses
29
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 1820
0.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13431, Poland, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 855 (100%) |
| Owner Occupied HU | 655 (76.6%) |
| Renter Occupied HU | 111 (13.0%) |
| Vacant Housing Units | 89 (10.4%) |
| Median Home Value | $196,536 |
| Average Home Value | $214,561 |
Housing Distribution
Address Breakdown
Residential
639
Single Family
639
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices