1446 County Route 9New LebanonNY12125
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1446 County Route 9, New Lebanon, NY, 12125 in New Lebanon. Priced at $105,000, it generates $2,221/mo in gross rent and $1,520/mo in net monthly cash flow, a 25.39% yield that comfortably supports the 4.71 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $18,240. Five-year appreciation: $29,010. Equity from principal paydown: $967/yr. Total projected cumulative return: $137,859.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 25.4% | 6.2% |
| Monthly Cash Flow | $1,520 | $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 | $2,221 |
| Total Monthly Debt Service | $659 |
| DSCR Ratio | 3.37x |
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.
Lot
Built in N/A
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12125, New Lebanon, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 671 (100%) |
| Owner Occupied HU | 382 (56.9%) |
| Renter Occupied HU | 151 (22.5%) |
| Vacant Housing Units | 138 (20.6%) |
| Median Home Value | $349,425 |
| Average Home Value | $480,229 |
Housing Distribution
Address Breakdown
Residential
439
Single Family
439
Multi-Family
0
Businesses
61
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
Lot
Built in N/A
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12125, New Lebanon, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 671 (100%) |
| Owner Occupied HU | 382 (56.9%) |
| Renter Occupied HU | 151 (22.5%) |
| Vacant Housing Units | 138 (20.6%) |
| Median Home Value | $349,425 |
| Average Home Value | $480,229 |
Housing Distribution
Address Breakdown
Residential
439
Single Family
439
Multi-Family
0
Businesses
61
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices