3 Canal StreetRotterdam JunctionNY12150
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Rotterdam Junction rentals match the income profile of 3 Canal Street, Rotterdam Junction, NY, 12150. Listed at $300,000, gross rent is $2,605/mo and net cash flow is $602/mo, a 10.42% yield well above national averages. DSCR 1.83 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $82,884 by year five with $2,515/yr in annual principal reduction, projecting $147,468 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.2% |
| Monthly Cash Flow | $602 | $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 | $2,605 |
| Total Monthly Debt Service | $1,957 |
| DSCR Ratio | 1.33x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1880
0.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12150, Rotterdam Junction, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 386 (100%) |
| Owner Occupied HU | 228 (59.1%) |
| Renter Occupied HU | 124 (32.1%) |
| Vacant Housing Units | 34 ( 8.8%) |
| Median Home Value | $287,879 |
| Average Home Value | $310,471 |
Housing Distribution
Address Breakdown
Residential
221
Single Family
221
Multi-Family
0
Businesses
19
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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
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Listed by: N/A • N/A
Mls Name: Global MLS
Mls Provider:
Mls ID: #202626989
