123 James StSchenectadyNY12304
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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
Investment Highlights
Investment property for sale in Schenectady at 123 James St, Schenectady, NY, 12304 earns $647/mo cash flow from $2,516/mo rent with a $1,370/mo payment. Total monthly income totals $2,516/mo, and annual cash flow totals $7,762/yr on $92,787 capital. ROI tracks 28.27% on current figures, and rental yield reads 10.79% at a $279,900 purchase. Equity gained on principal adds $1,806/yr, and 5% annual appreciation supports $77,331 over five years. Five-year ROI reaches 148.34% and total cumulative return in cash sums $137,641. Financing can be set up with Ziffy Mortgage’s DSCR loan, which is driven by $2,516/mo property income instead of your personal income.
Single Family
Built in 1907
3,570 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12304, Schenectady, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,827 (100%) |
| Owner Occupied HU | 5,220 (53.1%) |
| Renter Occupied HU | 4,011 (40.8%) |
| Vacant Housing Units | 596 ( 6.1%) |
| Median Home Value | $214,106 |
| Average Home Value | $258,404 |
Housing Distribution
Address Breakdown
Residential
8,914
Single Family
8,353
Multi-Family
561
Businesses
558
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Listed by: Ray Yangapatty • CSG REALTY CORP
Mls Name: NY State MLS
Mls ID: #11581956