1276 Holcombville RoadWhitehallNY12887
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 1276 Holcombville Road, Whitehall, NY, 12887 in Whitehall. Rental yield 7.19%. The 1.33 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $122,807 and $4,094/yr in principal reduction project total return of $149,874.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $(305) | $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 | $2,663 |
| Total Monthly Debt Service | $2,791 |
| DSCR Ratio | 0.95x |
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 2005
30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12887, Whitehall, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,491 (100%) |
| Owner Occupied HU | 1,434 (57.6%) |
| Renter Occupied HU | 634 (25.5%) |
| Vacant Housing Units | 423 (17.0%) |
| Median Home Value | $194,369 |
| Average Home Value | $233,584 |
Housing Distribution
Address Breakdown
Residential
2,092
Single Family
2,092
Multi-Family
0
Businesses
121
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 2005
30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12887, Whitehall, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,491 (100%) |
| Owner Occupied HU | 1,434 (57.6%) |
| Renter Occupied HU | 634 (25.5%) |
| Vacant Housing Units | 423 (17.0%) |
| Median Home Value | $194,369 |
| Average Home Value | $233,584 |
Housing Distribution
Address Breakdown
Residential
2,092
Single Family
2,092
Multi-Family
0
Businesses
121
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices