10918 Nys Rte #9NKeeneNY12942
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 10918 Nys Rte #9N, Keene, NY, 12942 in Keene worth study. Rental yield 0%. The 0% gross yield is below cash-flow benchmarks at $650,000, but 5% annual appreciation, adding $179,583 over five years, frames this as a capital growth position. Rent of $3,553/mo partially offsets the $2,923/mo payment. Ziffy Mortgage finances appreciation-play properties (1.22 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $197,147.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 6.2% |
| Monthly Cash Flow | $0 | $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 | $3,553 |
| Total Monthly Debt Service | $4,082 |
| DSCR Ratio | 0.87x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1890
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12942, Keene, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 587 (100%) |
| Owner Occupied HU | 243 (41.4%) |
| Renter Occupied HU | 53 ( 9.0%) |
| Vacant Housing Units | 291 (49.6%) |
| Median Home Value | $444,595 |
| Average Home Value | $517,922 |
Housing Distribution
Address Breakdown
Residential
185
Single Family
184
Multi-Family
1
Businesses
28
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 1890
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12942, Keene, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 587 (100%) |
| Owner Occupied HU | 243 (41.4%) |
| Renter Occupied HU | 53 ( 9.0%) |
| Vacant Housing Units | 291 (49.6%) |
| Median Home Value | $444,595 |
| Average Home Value | $517,922 |
Housing Distribution
Address Breakdown
Residential
185
Single Family
184
Multi-Family
1
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Todd Townsend • Adirondack Realty Berkshire Hathaway HomeServices
Mls Name: ACVMLS
Mls Provider:
Mls ID: #202455
Disclaimer: Listing data courtesy of the Internet Data Exchange (IDX) Program of the Adirondack Champlain Valley Multiple Listing Service. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listing information deemed reliable but not guaranteed.