680 State Route 13De RuyterNY13052
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 680 State Route 13, De Ruyter, NY, 13052 in De Ruyter deserves attention. This $196,100 property earns $3,010/mo in rent, a 18.42% gross yield, and nets $1,700/mo after the $882/mo payment. DSCR 3.41 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $54,179 compounds alongside $1,806/yr in yearly equity build, for a total cumulative return of $184,214.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 18.4% | 6.2% |
| Monthly Cash Flow | $1,700 | $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 | $3,010 |
| Total Monthly Debt Service | $1,231 |
| DSCR Ratio | 2.44x |
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 1860
1.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13052, De Ruyter, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,047 (100%) |
| Owner Occupied HU | 540 (51.6%) |
| Renter Occupied HU | 122 (11.7%) |
| Vacant Housing Units | 385 (36.8%) |
| Median Home Value | $196,053 |
| Average Home Value | $230,657 |
Housing Distribution
Address Breakdown
Residential
609
Single Family
588
Multi-Family
21
Businesses
39
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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 1860
1.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13052, De Ruyter, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,047 (100%) |
| Owner Occupied HU | 540 (51.6%) |
| Renter Occupied HU | 122 (11.7%) |
| Vacant Housing Units | 385 (36.8%) |
| Median Home Value | $196,053 |
| Average Home Value | $230,657 |
Housing Distribution
Address Breakdown
Residential
609
Single Family
588
Multi-Family
21
Businesses
39
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
