Saratoga Villas Expansion Plan, Saratoga VillasRock City FallsNY12863
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find Saratoga Villas Expansion Plan, Saratoga Villas, Rock City Falls, NY, 12863 in Rock City Falls hard to pass up. The 31.17% gross yield on a $149,900 purchase results in $3,894/mo in rent and $2,193/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (5.78). Annual cash flow of $26,316, five-year appreciation of $41,415, and $1,381/yr in equity build-up combine for a projected total cumulative return of $201,323.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 31.2% | 6.2% |
| Monthly Cash Flow | $2,193 | $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 | $3,894 |
| Total Monthly Debt Service | $1,641 |
| DSCR Ratio | 2.37x |
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.
Manufactured
Built in 2024
N/A lot
$N/A/sqft
$700 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12863, Rock City Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 422 (100%) |
| Owner Occupied HU | 341 (80.8%) |
| Renter Occupied HU | 44 (10.4%) |
| Vacant Housing Units | 37 ( 8.8%) |
| Median Home Value | $407,143 |
| Average Home Value | $410,183 |
Housing Distribution
Address Breakdown
Residential
284
Single Family
284
Multi-Family
0
Businesses
12
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
Manufactured
Built in 2024
N/A lot
$N/A/sqft
$700 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12863, Rock City Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 422 (100%) |
| Owner Occupied HU | 341 (80.8%) |
| Renter Occupied HU | 44 (10.4%) |
| Vacant Housing Units | 37 ( 8.8%) |
| Median Home Value | $407,143 |
| Average Home Value | $410,183 |
Housing Distribution
Address Breakdown
Residential
284
Single Family
284
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices