21 High StreetStillwaterNY12170








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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 Stillwater at 21 High Street, Stillwater, NY, 12170 with 5% annual appreciation on a $275,000 basis while $1,964/mo rent supports operations. Total monthly income totals $1,964/mo and a $1,346/mo payment preserves $128/mo for cash returns. Annual cash flow comes to $1,531/yr on $91,163 deployed, and return on cash invested reaches 21.59% in year one. Equity gained on principal adds $1,775/yr, and five-year appreciation sums $75,977 alongside rental yield of 8.57%. Five-year ROI measures 112.52% and total cumulative return in cash totals $102,575.
Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $1,964/mo property income versus a $1,346/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Single Family
Built in 1880
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12170, Stillwater, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,211 (100%) |
| Owner Occupied HU | 1,540 (69.7%) |
| Renter Occupied HU | 483 (21.8%) |
| Vacant Housing Units | 188 ( 8.5%) |
| Median Home Value | $336,697 |
| Average Home Value | $420,903 |
Housing Distribution
Address Breakdown
Residential
1,808
Single Family
1,626
Multi-Family
182
Businesses
60
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Listed by: Cindy Gotobed • Coldwell Banker Prime Properties
Mls Name: Global MLS
Mls ID: #202529290








