4 Gilbert StreetJohnstownNY12095








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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 Johnstown at 4 Gilbert Street, Johnstown, NY, 12095 listed at $135,300 pairs $1,820/mo rent with a $662/mo payment to leave $917/mo cash flow. Total monthly income runs $1,820/mo, and annual cash flow reaches $11,001/yr on $44,852 cash to close. Return on cash invested measures 44.44% in year one, and rental yield registers 16.14% at a $135,300 basis. Equity gained on principal adds $873/yr, and annual property appreciation at 5% supports $37,381 by year five. Five-year ROI tracks 235.04% and total cumulative return in cash totals $105,419. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $1,820/mo property income relative to a $662/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).
Single Family
Built in 1900
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12095, Johnstown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,711 (100%) |
| Owner Occupied HU | 3,212 (56.2%) |
| Renter Occupied HU | 1,758 (30.8%) |
| Vacant Housing Units | 741 (13.0%) |
| Median Home Value | $168,736 |
| Average Home Value | $238,176 |
Housing Distribution
Address Breakdown
Residential
5,156
Single Family
4,910
Multi-Family
246
Businesses
510
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Listed by: Fermina B Clet • Coldwell Banker Prime Properties
Mls Name: Global MLS
Mls Provider:
Mls ID: #202429783
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Judy Moriarty, Zillow, Inc., Corp. Broker







