105 Birchwood DriveSchenectadyNY12303
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 105 Birchwood Drive, Schenectady, NY, 12303 in Schenectady at $325,000 earns $2,369/mo in rent and nets $199/mo after the $1,461/mo payment, a 8.75% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $89,792 over five years. Ziffy Mortgage underwrites this on a 1.62 DSCR without U.S. credit history. With $2,993/yr in principal paydown, total projected return reaches $136,770.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 7.2% |
| Monthly Cash Flow | $199 | $450 |
City averages based on Schenectady market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,369 |
| Total Monthly Debt Service | $2,041 |
| DSCR Ratio | 1.16x |
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 1955
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12303, Schenectady, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,405 (100%) |
| Owner Occupied HU | 8,882 (66.3%) |
| Renter Occupied HU | 3,717 (27.7%) |
| Vacant Housing Units | 806 ( 6.0%) |
| Median Home Value | $263,822 |
| Average Home Value | $316,506 |
Housing Distribution
Address Breakdown
Residential
12,409
Single Family
12,096
Multi-Family
313
Businesses
563
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 1955
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12303, Schenectady, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,405 (100%) |
| Owner Occupied HU | 8,882 (66.3%) |
| Renter Occupied HU | 3,717 (27.7%) |
| Vacant Housing Units | 806 ( 6.0%) |
| Median Home Value | $263,822 |
| Average Home Value | $316,506 |
Housing Distribution
Address Breakdown
Residential
12,409
Single Family
12,096
Multi-Family
313
Businesses
563
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robert J Bradley • Miuccio Real Estate Group
Mls Name: Global MLS
Mls Provider:
Mls ID: #202516065
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Judy Moriarty, Zillow, Inc., Corp. Broker