4110 Consaul RoadSchenectadyNY12304
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4110 Consaul Road, Schenectady, NY, 12304 in Schenectady. Rental yield 5.77%. At $449,000 with 5.77% gross yield, current distributions are modest, but the 5% appreciation rate projects $124,050 in new equity by year five, complemented by $4,135/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.07) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $117,176.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 7.2% |
| Monthly Cash Flow | $(841) | $450 |
City averages based on Schenectady market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,158 |
| Total Monthly Debt Service | $2,820 |
| DSCR Ratio | 0.77x |
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 1969
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12304, Schenectady, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,827 (100%) |
| Owner Occupied HU | 5,220 (53.1%) |
| Renter Occupied HU | 4,011 (40.8%) |
| Vacant Housing Units | 596 ( 6.1%) |
| Median Home Value | $214,106 |
| Average Home Value | $258,404 |
Housing Distribution
Address Breakdown
Residential
8,914
Single Family
8,353
Multi-Family
561
Businesses
558
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 1969
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12304, Schenectady, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,827 (100%) |
| Owner Occupied HU | 5,220 (53.1%) |
| Renter Occupied HU | 4,011 (40.8%) |
| Vacant Housing Units | 596 ( 6.1%) |
| Median Home Value | $214,106 |
| Average Home Value | $258,404 |
Housing Distribution
Address Breakdown
Residential
8,914
Single Family
8,353
Multi-Family
561
Businesses
558
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Yassir Soffan • Venture Fox Realty Group LLC
Mls Name: Global MLS
Mls ID: #202530082