6 Church AvenueGermantownNY12526
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 6 Church Avenue, Germantown, NY, 12526 in Germantown. At $849,000 it earns $5,880/mo in rent and distributes $211/mo to the owner after the $3,818/mo payment, a consistent 8.31% yield. DSCR 1.54 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $234,563 in value; $7,819/yr in principal paydown compounds ownership stake. Total projected return: $337,241.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $211 | $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 | $5,880 |
| Total Monthly Debt Service | $5,332 |
| DSCR Ratio | 1.10x |
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 1870
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12526, Germantown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,961 (100%) |
| Owner Occupied HU | 1,233 (62.9%) |
| Renter Occupied HU | 400 (20.4%) |
| Vacant Housing Units | 328 (16.7%) |
| Median Home Value | $471,888 |
| Average Home Value | $534,818 |
Housing Distribution
Address Breakdown
Residential
1,609
Single Family
1,560
Multi-Family
49
Businesses
101
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 1870
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12526, Germantown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,961 (100%) |
| Owner Occupied HU | 1,233 (62.9%) |
| Renter Occupied HU | 400 (20.4%) |
| Vacant Housing Units | 328 (16.7%) |
| Median Home Value | $471,888 |
| Average Home Value | $534,818 |
Housing Distribution
Address Breakdown
Residential
1,609
Single Family
1,560
Multi-Family
49
Businesses
101
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: HVCRMLS
Mls ID: #20262189