161 Dahlia StreetSchenectadyNY12306
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 161 Dahlia Street, Schenectady, NY, 12306 in Schenectady: $3,228/mo in rent, $625/mo in net income, 9.94% gross yield, 1.84 DSCR, all at $389,800. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $107,695 in appreciation and $3,590/yr in principal paydown projects total cumulative return of $188,840.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 7.2% |
| Monthly Cash Flow | $625 | $450 |
City averages based on Schenectady market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,228 |
| Total Monthly Debt Service | $2,448 |
| DSCR Ratio | 1.32x |
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 1963
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12306, Schenectady, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,758 (100%) |
| Owner Occupied HU | 8,039 (63.0%) |
| Renter Occupied HU | 3,946 (30.9%) |
| Vacant Housing Units | 773 ( 6.1%) |
| Median Home Value | $249,354 |
| Average Home Value | $308,804 |
Housing Distribution
Address Breakdown
Residential
12,283
Single Family
11,893
Multi-Family
390
Businesses
507
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 1963
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12306, Schenectady, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,758 (100%) |
| Owner Occupied HU | 8,039 (63.0%) |
| Renter Occupied HU | 3,946 (30.9%) |
| Vacant Housing Units | 773 ( 6.1%) |
| Median Home Value | $249,354 |
| Average Home Value | $308,804 |
Housing Distribution
Address Breakdown
Residential
12,283
Single Family
11,893
Multi-Family
390
Businesses
507
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anthony M Gucciardo • Gucciardo Real Estate LLC
Mls Name: Global MLS
Mls ID: #202525519