2418 Campbell AvenueSchenectadyNY12306
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 2418 Campbell Avenue, Schenectady, NY, 12306 in Schenectady at $367,000. Rental yield 6.79%. The 6.79% yield and 1.26 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $101,395 by year five, and $3,380/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $115,869.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 7.2% |
| Monthly Cash Flow | $(375) | $450 |
City averages based on Schenectady market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,076 |
| Total Monthly Debt Service | $2,305 |
| DSCR Ratio | 0.90x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1910
4,356 sqft 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
Multi Family
Built in 1910
4,356 sqft 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: Parmanand Phaskanram • Find Advisors
Mls Name: Global MLS
Mls ID: #202611148