138-140 Church StreetSaratoga SpringsNY12866








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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
Total monthly income runs $2,743/mo, and a $4,890/mo payment. Purchase price stands at $999,000, and rental yield measures 3.29% with $2,743/mo rent. Return on cash invested shows 5.72% in year one, and 5% annual appreciation builds toward $276,005 over five years. Five-year ROI reaches 27.35% and total cumulative return in cash records $89,894. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $2,743/mo property income covering a $4,890/mo payment rather than investor’s personal income.
Multi Family
Built in 1957
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12866, Saratoga Springs, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,215 (100%) |
| Owner Occupied HU | 11,132 (52.5%) |
| Renter Occupied HU | 7,304 (34.4%) |
| Vacant Housing Units | 2,779 (13.1%) |
| Median Home Value | $538,112 |
| Average Home Value | $603,511 |
Housing Distribution
Address Breakdown
Residential
19,529
Single Family
15,928
Multi-Family
3,601
Businesses
2,184
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Listed by: Maria Barr • Four Seasons Sotheby's International Realty
Mls Name: Global MLS
Mls ID: #202529656







