814 State Route 9bChamplainNY12919
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 814 State Route 9b, Champlain, NY, 12919 in Champlain deserves attention. This $455,000 property earns $4,481/mo in rent, a 11.82% gross yield, and nets $1,442/mo after the $2,046/mo payment. DSCR 2.19 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $125,708 compounds alongside $4,191/yr in yearly equity build, for a total cumulative return of $266,338.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.2% |
| Monthly Cash Flow | $1,442 | $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 | $4,481 |
| Total Monthly Debt Service | $2,857 |
| DSCR Ratio | 1.57x |
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 2003
2.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12919, Champlain, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,632 (100%) |
| Owner Occupied HU | 971 (59.5%) |
| Renter Occupied HU | 380 (23.3%) |
| Vacant Housing Units | 281 (17.2%) |
| Median Home Value | $205,569 |
| Average Home Value | $403,167 |
Housing Distribution
Address Breakdown
Residential
1,265
Single Family
1,265
Multi-Family
0
Businesses
260
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 2003
2.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12919, Champlain, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,632 (100%) |
| Owner Occupied HU | 971 (59.5%) |
| Renter Occupied HU | 380 (23.3%) |
| Vacant Housing Units | 281 (17.2%) |
| Median Home Value | $205,569 |
| Average Home Value | $403,167 |
Housing Distribution
Address Breakdown
Residential
1,265
Single Family
1,265
Multi-Family
0
Businesses
260
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices