7186 NY-158SchenectadyNY12306
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 7186 NY-158, Schenectady, NY, 12306 in Schenectady. Priced at $434,500, it generates $5,036/mo in gross rent and $2,135/mo in net monthly cash flow, a 13.91% yield that comfortably supports the 2.58 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $25,619. Five-year appreciation: $120,044. Equity from principal paydown: $4,002/yr. Total projected cumulative return: $303,070.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.9% | 7.2% |
| Monthly Cash Flow | $2,135 | $450 |
City averages based on Schenectady market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,036 |
| Total Monthly Debt Service | $2,729 |
| DSCR Ratio | 1.85x |
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.
Single Family
Built in 1850
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12306, Schenectady, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,758 (100%) |
| Owner Occupied HU | 8,039 (63.0%) |
| Renter Occupied HU | 3,946 (30.9%) |
| Vacant Housing Units | 773 ( 6.1%) |
| Median Home Value | $249,354 |
| Average Home Value | $308,804 |
Housing Distribution
Address Breakdown
Residential
12,283
Single Family
11,893
Multi-Family
390
Businesses
507
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 1850
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12306, Schenectady, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,758 (100%) |
| Owner Occupied HU | 8,039 (63.0%) |
| Renter Occupied HU | 3,946 (30.9%) |
| Vacant Housing Units | 773 ( 6.1%) |
| Median Home Value | $249,354 |
| Average Home Value | $308,804 |
Housing Distribution
Address Breakdown
Residential
12,283
Single Family
11,893
Multi-Family
390
Businesses
507
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices