127 Swan StreetScotiaNY12302
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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
Rental property for sale in Scotia at 127 Swan Street, Scotia, NY, 12302 generates $1,649/mo in rent and, after a $1,174/mo payment, leaves $47/mo in cash flow. Total monthly income is $1,649/mo, and annual cash flow is $566/yr on $79,527 invested. Return on cash invested sits at 20.62% in year one, and rental yield is 8.25% on a $239,900 entry. Equity gained on principal adds $1,548/yr, while 5% annual appreciation builds toward $66,280 over five years. Five-year ROI reaches 107.34% and total cumulative return in cash sums $85,363. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $1,649/mo property income rather than buyer’s personal income.
Single Family
Built in 1928
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12302, Schenectady, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,691 (100%) |
| Owner Occupied HU | 8,698 (68.5%) |
| Renter Occupied HU | 3,062 (24.1%) |
| Vacant Housing Units | 931 ( 7.3%) |
| Median Home Value | $271,870 |
| Average Home Value | $311,678 |
Housing Distribution
Address Breakdown
Residential
12,116
Single Family
10,636
Multi-Family
1,480
Businesses
606
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