976 High StreetAtholNY12810
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 976 High Street, Athol, NY, 12810 in Athol is narrow, $141/mo net on $1,127/mo rent after the $664/mo debt service, but the property operates at break-even-plus, not a loss. At $147,650 with a 9.16% yield, the long-run equity case via 5% appreciation ($40,793 over five years) and $1,360/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.70 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $65,380.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $141 | $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 | $1,127 |
| Total Monthly Debt Service | $927 |
| DSCR Ratio | 1.22x |
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 1949
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12810, Athol, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 354 (100%) |
| Owner Occupied HU | 210 (59.3%) |
| Renter Occupied HU | 26 ( 7.3%) |
| Vacant Housing Units | 118 (33.3%) |
| Median Home Value | $226,316 |
| Average Home Value | $268,917 |
Housing Distribution
Address Breakdown
Residential
252
Single Family
252
Multi-Family
0
Businesses
10
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 1949
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12810, Athol, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 354 (100%) |
| Owner Occupied HU | 210 (59.3%) |
| Renter Occupied HU | 26 ( 7.3%) |
| Vacant Housing Units | 118 (33.3%) |
| Median Home Value | $226,316 |
| Average Home Value | $268,917 |
Housing Distribution
Address Breakdown
Residential
252
Single Family
252
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices