45 Saint John StMonticelloNY12701
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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 Monticello at 45 Saint John St, Monticello, NY, 12701 offers a 7.91% rental yield on a $420,000 purchase with $2,770/mo rent. 61% in year one. Equity gained on principal adds $2,710/yr while 5% annual appreciation supports $116,038 over five years. Portfolio math shows five-year ROI at 101.85% and total cumulative return in cash at $141,811. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $2,770/mo property income against a $2,056/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1900
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12701, Monticello, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,397 (100%) |
| Owner Occupied HU | 2,153 (25.6%) |
| Renter Occupied HU | 3,221 (38.4%) |
| Vacant Housing Units | 3,023 (36.0%) |
| Median Home Value | $262,260 |
| Average Home Value | $318,832 |
Housing Distribution
Address Breakdown
Residential
5,858
Single Family
4,786
Multi-Family
1,072
Businesses
707
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Listed by: Craig Miller • THE TRUSS GROUP LLC
Mls Name: NY State MLS
Mls ID: #11525199