13003 Route 23aPrattsvilleNY12468
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 13003 Route 23a, Prattsville, NY, 12468 in Prattsville earns a 9.54% gross yield at $179,000. Rent of $1,423/mo nets $228/mo after the $805/mo mortgage. The 1.77 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $49,454 and $1,649/yr in equity accumulation project a total cumulative return of $82,911.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $228 | $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 | $1,423 |
| Total Monthly Debt Service | $1,124 |
| DSCR Ratio | 1.27x |
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 2012
0.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12468, Prattsville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,309 (100%) |
| Owner Occupied HU | 520 (39.7%) |
| Renter Occupied HU | 148 (11.3%) |
| Vacant Housing Units | 641 (49.0%) |
| Median Home Value | $265,972 |
| Average Home Value | $321,370 |
Housing Distribution
Address Breakdown
Residential
552
Single Family
507
Multi-Family
45
Businesses
36
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 2012
0.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12468, Prattsville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,309 (100%) |
| Owner Occupied HU | 520 (39.7%) |
| Renter Occupied HU | 148 (11.3%) |
| Vacant Housing Units | 641 (49.0%) |
| Median Home Value | $265,972 |
| Average Home Value | $321,370 |
Housing Distribution
Address Breakdown
Residential
552
Single Family
507
Multi-Family
45
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: My State MLS
Mls ID: #11776149