12908 Church StWolcottNY14590








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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 Wolcott at 12908 Church St, Wolcott, NY, 14590 uses $52,045 cash to close to unlock $1,896/yr annual cash flow and $158/mo monthly cash flow. Total monthly income runs $1,206/mo, and a $768/mo payment keeps the spread at $158/mo. Purchase price stands at $156,999, and rental yield measures 9.22% with $1,206/mo rent. Return on cash invested shows 23.55% in year one, and 5% annual appreciation builds toward $43,376 over five years. Five-year ROI reaches 123.11% and total cumulative return in cash records $64,075. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $1,206/mo property income covering a $768/mo payment rather than investor’s personal income.
Single Family
Built in 1900
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14590, Wolcott, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,102 (100%) |
| Owner Occupied HU | 1,595 (51.4%) |
| Renter Occupied HU | 491 (15.8%) |
| Vacant Housing Units | 1,016 (32.8%) |
| Median Home Value | $174,093 |
| Average Home Value | $275,473 |
Housing Distribution
Address Breakdown
Residential
2,368
Single Family
2,268
Multi-Family
100
Businesses
159
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