664 St. David's LaneNiskayunaNY12309
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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 Niskayuna at 664 St. David's Lane, Niskayuna, NY, 12309 offers a 10.29% rental yield on a $495,000 purchase with $4,243/mo rent. Total monthly income registers $4,243/mo, and a $2,423/mo payment leaves $937/mo available for distribution. Annual cash flow reaches $11,247/yr on $164,093 to close, and return on cash invested stands at 26.76% in year one. Equity gained on principal adds $3,194/yr while 5% annual appreciation supports $136,759 over five years. Portfolio math shows five-year ROI at 140.25% and total cumulative return in cash at $230,146. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $4,243/mo property income against a $2,423/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1952
0.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12309, Schenectady, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,491 (100%) |
| Owner Occupied HU | 9,704 (71.9%) |
| Renter Occupied HU | 3,031 (22.5%) |
| Vacant Housing Units | 756 ( 5.6%) |
| Median Home Value | $348,109 |
| Average Home Value | $382,773 |
Housing Distribution
Address Breakdown
Residential
12,862
Single Family
12,210
Multi-Family
652
Businesses
513
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