8365 State Highway 3ChildwoldNY12922
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow8365 State Highway 3, Childwold, NY, 12922 in Childwold is a solid income-producing rental, 11.33% gross yield, $1,699/mo rent, $497/mo net cash flow on a $180,000 buy. DSCR 2.10 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $49,731 and $1,658/yr in principal reduction project a total cumulative return of $100,639.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.2% |
| Monthly Cash Flow | $497 | $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 | $1,699 |
| Total Monthly Debt Service | $1,130 |
| DSCR Ratio | 1.50x |
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 1998
2.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12922, Childwold, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 108 (100%) |
| Owner Occupied HU | 37 (34.3%) |
| Renter Occupied HU | 5 ( 4.6%) |
| Vacant Housing Units | 66 (61.1%) |
| Median Home Value | $171,875 |
| Average Home Value | $220,676 |
Housing Distribution
Address Breakdown
Residential
36
Single Family
36
Multi-Family
0
Businesses
4
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 1998
2.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12922, Childwold, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 108 (100%) |
| Owner Occupied HU | 37 (34.3%) |
| Renter Occupied HU | 5 ( 4.6%) |
| Vacant Housing Units | 66 (61.1%) |
| Median Home Value | $171,875 |
| Average Home Value | $220,676 |
Housing Distribution
Address Breakdown
Residential
36
Single Family
36
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices