40 Sterling StGouverneurNY13642
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow40 Sterling St, Gouverneur, NY, 13642 in Gouverneur is a top-tier cash-flow asset. At $110,000 it produces $2,074/mo in rent and $1,339/mo in net monthly income, a 22.62% gross rental yield. The DSCR of 4.19 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $16,068. Five-year appreciation adds $30,391, driving a total cumulative return of $128,125.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 22.6% | 6.2% |
| Monthly Cash Flow | $1,339 | $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 | $2,074 |
| Total Monthly Debt Service | $691 |
| DSCR Ratio | 3.00x |
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.
Single Family
Built in 1860
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13642, Gouverneur, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,245 (100%) |
| Owner Occupied HU | 2,357 (55.5%) |
| Renter Occupied HU | 1,202 (28.3%) |
| Vacant Housing Units | 686 (16.2%) |
| Median Home Value | $154,694 |
| Average Home Value | $212,636 |
Housing Distribution
Address Breakdown
Residential
3,604
Single Family
3,356
Multi-Family
248
Businesses
242
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 1860
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13642, Gouverneur, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,245 (100%) |
| Owner Occupied HU | 2,357 (55.5%) |
| Renter Occupied HU | 1,202 (28.3%) |
| Vacant Housing Units | 686 (16.2%) |
| Median Home Value | $154,694 |
| Average Home Value | $212,636 |
Housing Distribution
Address Breakdown
Residential
3,604
Single Family
3,356
Multi-Family
248
Businesses
242
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rick D. Cutway • T.L.C. Real Estate, LLC
Mls Name: SLCMLS
Mls ID: #51737