950 Emmett StreetSchenectadyNY12307
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow950 Emmett Street, Schenectady, NY, 12307 in Schenectady is a top-tier cash-flow asset. At $339,000 it produces $3,442/mo in rent and $1,178/mo in net monthly income, a 12.18% gross rental yield. The DSCR of 2.26 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $14,134. Five-year appreciation adds $93,659, driving a total cumulative return of $205,123.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 7.2% |
| Monthly Cash Flow | $1,178 | $450 |
City averages based on Schenectady market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,442 |
| Total Monthly Debt Service | $2,129 |
| DSCR Ratio | 1.62x |
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 1920
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12307, Schenectady, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,605 (100%) |
| Owner Occupied HU | 729 (20.2%) |
| Renter Occupied HU | 2,350 (65.2%) |
| Vacant Housing Units | 526 (14.6%) |
| Median Home Value | $101,736 |
| Average Home Value | $192,937 |
Housing Distribution
Address Breakdown
Residential
2,818
Single Family
2,316
Multi-Family
502
Businesses
143
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 1920
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12307, Schenectady, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,605 (100%) |
| Owner Occupied HU | 729 (20.2%) |
| Renter Occupied HU | 2,350 (65.2%) |
| Vacant Housing Units | 526 (14.6%) |
| Median Home Value | $101,736 |
| Average Home Value | $192,937 |
Housing Distribution
Address Breakdown
Residential
2,818
Single Family
2,316
Multi-Family
502
Businesses
143
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices