Off Rt-69 · Parish, NY 13131

$95,000

1 bd · 1.5 ba · 700 sqft · Manufactured · 226 Days on market

Built 1970 1.01 ac lot

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Why this score? — see what drove the B+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +29.1/30.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• 1% rule +8.1/10.0
• ARV discount +7.5/15.0
• Schools +3.3/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Escape to the tranquility of the Little Salmon River with this unique and affordable property that offers both comfort and opportunity. Nestled on a peaceful lot, this single wide home features cozy living with an additional bonus space complete with a convenient half bath — perfect for guests, a home office, or a hobby room. Enjoy riverfront living where you can fish or simply relax and take in the sounds of nature. The property provides easy access to the water and beautiful year-round views. Whether you’re looking for a full-time residence, a weekend getaway, or a short-term rental investment, this spot delivers peace and potential. Located just minutes from I -81 North and South and not far om Lake Ontario and the World Famous Salmon River, this home sits in the heart of outdoor recreation — close to beaches, marinas, snowmobile trails, and world-class fishing. A simple life with big possibilities on the river. Also listed as MLS# S1644169

Key facts

• Half bath
• Outdoor recreation
• Year round views

Tags

• BONUS SPACE
• HALF BATH
• RIVERFRONT LIVING
• YEAR ROUND VIEWS
• OUTDOOR RECREATION
• CLOSE TO BEACHES

What this means for you Summary

Snapshot

• This is a 1-bed/1.5-bath manufactured listed at $95k.

Deal economics

• At list price, monthly cash flow is $263 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $84k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 60/100 on livability (#976 in NY) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment B; Watch: schools D+, crime F, amenities F.
• Mexico Central School District (rural): math 33% / reading 42% proficiency, ranked #540 of 590 in NY (top 92%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 30 active listings in the ZIP; 172 units permitted in Oswego County in 2024 (27 in 5+ unit buildings).

Forward outlook

• In year one you build about $10k of equity ($657 loan paydown + $10k appreciation (10.0% local appreciation)).
• Oswego County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $27k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 226 days — a 12% lower offer ($84k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $83,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 226 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.31% ✓
• Cap rate: 10.45%
• Cash-on-cash: 14.85%
• DSCR: 1.66
• GRM: 6.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 33.0%
• Equity multiple: 3.58×
• Total profit: $68,529
• Equity at exit: $85,584

10-year hold

• IRR: 28.5%
• Equity multiple: 8.10×
• Total profit: $188,770
• Equity at exit: $184,564

Cash invested: $26,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 15 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City: — inherits STATE

NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.

Methodology + full state rankings →

ZIP-level market 13131

• Home prices YoY: 32.2%
• Active inventory: 30
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,248 medium
• Mortgage (P&I): −$498
• Tax est. 1.5%: −$119 /mo · $1,425/yr
• Insurance: −$40
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$262
• Net cashflow: $263

Break-even live

Break-even rent $915

Max offer price $95,000

Occupancy floor 74%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-06-13
   statusdays on market $95,000 Pending 226 DOM
2. 2026-06-10
   days on market $95,000 Active Under Contract 225 DOM
3. 2026-06-09
   days on market $95,000 Active Under Contract 224 DOM
4. 2026-06-08
   days on market $95,000 Active Under Contract 223 DOM
5. 2026-06-07
   days on market $95,000 Active Under Contract 222 DOM
6. 2026-06-05
   days on market $95,000 Active Under Contract 219 DOM
7. 2026-06-02
   days on market $95,000 Active Under Contract 217 DOM
8. 2026-06-01
   days on market $95,000 Active Under Contract 216 DOM
9. 2026-05-31
   days on market $95,000 Active Under Contract 215 DOM
10. 2026-05-30
    days on market $95,000 Active Under Contract 214 DOM
11. 2026-03-30
    historical Active Under Contract 975-char remark

    Show marketing remark (975 chars)

    Escape to the tranquility of the Little Salmon River with this unique and affordable property that offers both comfort and opportunity. Nestled on a peaceful lot, this single wide home features cozy living with an additional bonus space complete with a convenient half bath — perfect for guests, a home office, or a hobby room. Enjoy riverfront living where you can fish or simply relax and take in the sounds of nature. The property provides easy access to the water and beautiful year-round views. Whether you’re looking for a full-time residence, a weekend getaway, or a short-term rental investment, this spot delivers peace and potential. Located just minutes from I -81 North and South and not far om Lake Ontario and the World Famous Salmon River, this home sits in the heart of outdoor recreation — close to beaches, marinas, snowmobile trails, and world-class fishing. A simple life with big possibilities on the river. Also listed as MLS# S1644169

12. 2026-03-30
    historical Active Under Contract

    Show marketing remark (975 chars)

    Escape to the tranquility of the Little Salmon River with this unique and affordable property that offers both comfort and opportunity. Nestled on a peaceful lot, this single wide home features cozy living with an additional bonus space complete with a convenient half bath — perfect for guests, a home office, or a hobby room. Enjoy riverfront living where you can fish or simply relax and take in the sounds of nature. The property provides easy access to the water and beautiful year-round views. Whether you’re looking for a full-time residence, a weekend getaway, or a short-term rental investment, this spot delivers peace and potential. Located just minutes from I -81 North and South and not far om Lake Ontario and the World Famous Salmon River, this home sits in the heart of outdoor recreation — close to beaches, marinas, snowmobile trails, and world-class fishing. A simple life with big possibilities on the river. Also listed as MLS# S1644169

13. 2025-10-28
    listed $95,000 Active 975-char remark

    Show marketing remark (975 chars)

    Escape to the tranquility of the Little Salmon River with this unique and affordable property that offers both comfort and opportunity. Nestled on a peaceful lot, this single wide home features cozy living with an additional bonus space complete with a convenient half bath — perfect for guests, a home office, or a hobby room. Enjoy riverfront living where you can fish or simply relax and take in the sounds of nature. The property provides easy access to the water and beautiful year-round views. Whether you’re looking for a full-time residence, a weekend getaway, or a short-term rental investment, this spot delivers peace and potential. Located just minutes from I -81 North and South and not far om Lake Ontario and the World Famous Salmon River, this home sits in the heart of outdoor recreation — close to beaches, marinas, snowmobile trails, and world-class fishing. A simple life with big possibilities on the river. Also listed as MLS# S1644169

14. 2025-10-28
    listed $95,000 Active

    Show marketing remark (975 chars)

    Escape to the tranquility of the Little Salmon River with this unique and affordable property that offers both comfort and opportunity. Nestled on a peaceful lot, this single wide home features cozy living with an additional bonus space complete with a convenient half bath — perfect for guests, a home office, or a hobby room. Enjoy riverfront living where you can fish or simply relax and take in the sounds of nature. The property provides easy access to the water and beautiful year-round views. Whether you’re looking for a full-time residence, a weekend getaway, or a short-term rental investment, this spot delivers peace and potential. Located just minutes from I -81 North and South and not far om Lake Ontario and the World Famous Salmon River, this home sits in the heart of outdoor recreation — close to beaches, marinas, snowmobile trails, and world-class fishing. A simple life with big possibilities on the river. Also listed as MLS# S1644169

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥93°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,972
• − Mortgage interest: −$5,321
• − Property taxes: −$1,425
• − Insurance: −$1,272
• − Repairs & maintenance: −$1,198
• − Management: −$1,198
• − Depreciation: −$2,764
• Taxable income: $1,794
• Est. tax owed @ 24.0%: −$431
• After-tax cash flow: $2,722/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Mexico Central School District
• NCES district ID: 3619170
• Math proficiency: 33% ▼ -19.00%
• Reading proficiency: 42% ▲ 1.00%
• Median HH income: $51,635
• Composite: 32.55/100
• National rank: #5691
• State rank: #540 of 590 in NY

Livability — Parish

• Score: 60/100
• State rank: #976
• US rank: #19100

Category grades

Amenities F Commute F Cost of living A+ Crime F Employment B Housing A+ Health & safety D- User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 2,856

Population outlook (Oswego County) Hauer SSP2

• Today (2025): 114,465 people
• By 2030: 109,968 · -3.9%
• By 2040: 99,205 · -13.3%
• By 2050: 87,979 · -23.1%
• By 2075: 65,100 · -43.1%
• By 2100: 47,117 · -58.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 5% Hispanic / Latino 2%
• Common ancestry: Lithuanian 4% Romanian 4% Slovak 2%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · French/Haitian/Cajun 2% Spanish 1% Other Indo-European 1%

Political lean MEDSL · Oswego

• 2024 margin: Strong R (+24.2) · D 37.9% · R 62.1%
• 2008→2024 swing: -26.6pp toward R · 2008: 2.5pp · 2024: -24.2pp
• All cycles: 2024: R+24.2 2020: R+20.2 2016: R+23.2 2012: D+7.9 2008: D+2.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 105.37%
• Current HPI: 432.386
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

Industry mix (Fortune 500 HQ in NY)

Industry	F500 HQs	Revenue
▸Financial Services	10	$950B
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

+0.0% since first listed

4 events — show timeline

• 2026-03-30 Contingent — CNYIS
• 2026-03-30 Contingent — CNYIS
• 2025-10-28 Listed $95,000 CNYIS
• 2025-10-28 Listed $95,000 CNYIS