5987 State Farm RoadGuilderlandNY12084
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 5987 State Farm Road, Guilderland, NY, 12084 in Guilderland worth study. Rental yield 3.7%. The 3.7% gross yield is below cash-flow benchmarks at $625,000, but 5% annual appreciation, adding $172,676 over five years, frames this as a capital growth position. Rent of $1,930/mo partially offsets the $2,810/mo payment. Ziffy Mortgage finances appreciation-play properties (0.69 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $93,994.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.2% |
| Monthly Cash Flow | $(2,244) | $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 | $1,930 |
| Total Monthly Debt Service | $3,925 |
| DSCR Ratio | 0.49x |
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 N/A
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12084, Guilderland, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,578 (100%) |
| Owner Occupied HU | 763 (29.6%) |
| Renter Occupied HU | 1,639 (63.6%) |
| Vacant Housing Units | 176 ( 6.8%) |
| Median Home Value | $363,508 |
| Average Home Value | $410,039 |
Housing Distribution
Address Breakdown
Residential
2,233
Single Family
914
Multi-Family
1,319
Businesses
330
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 N/A
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12084, Guilderland, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,578 (100%) |
| Owner Occupied HU | 763 (29.6%) |
| Renter Occupied HU | 1,639 (63.6%) |
| Vacant Housing Units | 176 ( 6.8%) |
| Median Home Value | $363,508 |
| Average Home Value | $410,039 |
Housing Distribution
Address Breakdown
Residential
2,233
Single Family
914
Multi-Family
1,319
Businesses
330
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jared A George • Tri Capital Realty LLC
Mls Name: Global MLS
Mls ID: #202610778