55 Church StreetSchuylervilleNY12871
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $279,900, 55 Church Street, Schuylerville, NY, 12871 in Schuylerville generates $1,921/mo in rent (8.24% yield) but nets only $52/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.53) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $77,331. Total projected return: $110,044.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $52 | $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 | $1,921 |
| Total Monthly Debt Service | $1,758 |
| DSCR Ratio | 1.09x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1820
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12871, Schuylerville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,993 (100%) |
| Owner Occupied HU | 1,393 (69.9%) |
| Renter Occupied HU | 416 (20.9%) |
| Vacant Housing Units | 184 ( 9.2%) |
| Median Home Value | $335,559 |
| Average Home Value | $382,109 |
Housing Distribution
Address Breakdown
Residential
1,714
Single Family
1,690
Multi-Family
24
Businesses
123
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 1820
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12871, Schuylerville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,993 (100%) |
| Owner Occupied HU | 1,393 (69.9%) |
| Renter Occupied HU | 416 (20.9%) |
| Vacant Housing Units | 184 ( 9.2%) |
| Median Home Value | $335,559 |
| Average Home Value | $382,109 |
Housing Distribution
Address Breakdown
Residential
1,714
Single Family
1,690
Multi-Family
24
Businesses
123
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices