11238 Route 9ChamplainNY12919
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Champlain rentals match the income profile of 11238 Route 9, Champlain, NY, 12919. Listed at $129,000, gross rent is $1,505/mo and net cash flow is $643/mo, a 14% yield well above national averages. DSCR 2.59 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $35,640 by year five with $1,188/yr in annual principal reduction, projecting $90,612 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 14% | 6.2% |
| Monthly Cash Flow | $643 | $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 | $1,505 |
| Total Monthly Debt Service | $810 |
| DSCR Ratio | 1.86x |
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.
Multi Family
Built in 1875
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12919, Champlain, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,632 (100%) |
| Owner Occupied HU | 971 (59.5%) |
| Renter Occupied HU | 380 (23.3%) |
| Vacant Housing Units | 281 (17.2%) |
| Median Home Value | $205,569 |
| Average Home Value | $403,167 |
Housing Distribution
Address Breakdown
Residential
1,265
Single Family
1,265
Multi-Family
0
Businesses
260
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
Multi Family
Built in 1875
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12919, Champlain, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,632 (100%) |
| Owner Occupied HU | 971 (59.5%) |
| Renter Occupied HU | 380 (23.3%) |
| Vacant Housing Units | 281 (17.2%) |
| Median Home Value | $205,569 |
| Average Home Value | $403,167 |
Housing Distribution
Address Breakdown
Residential
1,265
Single Family
1,265
Multi-Family
0
Businesses
260
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices