19 Cobb Hill RoadWest Sand LakeNY12196
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 19 Cobb Hill Road, West Sand Lake, NY, 12196 in West Sand Lake. Rental yield 7.01%. The 1.30 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $121,536 and $4,052/yr in principal reduction project total return of $144,104.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.2% |
| Monthly Cash Flow | $(367) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,570 |
| Total Monthly Debt Service | $2,763 |
| DSCR Ratio | 0.93x |
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 1962
1.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12196, West Sand Lake, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,236 (100%) |
| Owner Occupied HU | 963 (77.9%) |
| Renter Occupied HU | 206 (16.7%) |
| Vacant Housing Units | 67 ( 5.4%) |
| Median Home Value | $463,270 |
| Average Home Value | $457,645 |
Housing Distribution
Address Breakdown
Residential
1,073
Single Family
1,073
Multi-Family
0
Businesses
104
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 1962
1.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12196, West Sand Lake, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,236 (100%) |
| Owner Occupied HU | 963 (77.9%) |
| Renter Occupied HU | 206 (16.7%) |
| Vacant Housing Units | 67 ( 5.4%) |
| Median Home Value | $463,270 |
| Average Home Value | $457,645 |
Housing Distribution
Address Breakdown
Residential
1,073
Single Family
1,073
Multi-Family
0
Businesses
104
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Global MLS
Mls ID: #202620392