3 Ashleigh LaneSaratoga SpringsNY12866



INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 3 Ashleigh Lane, Saratoga Springs, NY, 12866 in Saratoga Springs the bet is firmly on appreciation. Rental yield 5.44%. The 5.44% gross yield on a $899,900 price is below income-first thresholds, but 5%/yr value growth projects $248,626 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.01) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $219,064.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.2% |
| Monthly Cash Flow | $(1,928) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $4,081 |
| Total Monthly Debt Service | $5,651 |
| DSCR Ratio | 0.72x |
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.
Single Family
Built in 2010
1.28 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



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 2010
1.28 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices



Listed by: Marcia E Murray • Marcia Murray & Associates Realty LLC
Mls Name: Global MLS
Mls ID: #202524035








