139 W Schuyler St · Oswego, NY 13126

$135,000

5 bd · 1.5 ba · 1,513 sqft · SingleFamily public records · 3 Days on market

Built 1890 5,616 sqft lot Est $147k · 8% under

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Why this score? — see what drove the A- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• ARV discount +11.1/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Rent growth +5.0/5.0
• Appreciation +3.9/10.0
• Schools +3.8/10.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0

Listing remarks

This spacious 5 bedroom, 1.5-bath home offers over 1,500 square feet of living space and is currently tenant occupied, making it an attractive option for investors seeking immediate rental income or buyers looking for a property with long-term potential. Inside, you'll find generously sized rooms and beautiful hardwood flooring throughout much of the first floor, adding warmth and character to the home's classic charm. The functional layout provides ample living space, while the five bedroom configuration offers flexibility for a variety of living arrangements. Situated on a large lot in a convenient location close to downtown Oswego, schools, shopping, restaurants, and Lake Ontario, this p

Key facts

• Hardwood flooring
• Close to schools
• Large lot

Tags

• HARDWOOD FLOORING
• LARGE LOT
• CONVENIENT LOCATION
• CLOSE TO DOWNTOWN
• CLOSE TO SCHOOLS
• CLOSE TO SHOPPING

Property features AI

Exterior

• Parking: Detached garage
• Utilities: Public water connected; Sewer connected
• Home design: Single-story; Existing construction
• Construction: Vinyl siding; Block foundation
• Exterior features: Blacktop driveway; Near public transit; Rectangular lot (48 x 117)

Interior

• Kitchen: Gas oven; Gas range; Refrigerator
• Bedrooms: 2 main-level bedrooms
• Flooring: Hardwood; Laminate; Varies
• Bathrooms: 1 full bathroom; 1 half bathroom; 1 main-level bathroom
• Heating & cooling: Gas heating; Hot water heating; Radiant heating
• Interior features: Eat-in kitchen; Other interior features (see remarks)
• Laundry & utility: Gas water heater

What this means for you Summary

Snapshot

• This is a 5-bed/1.5-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $935 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $135k).
• Cap rate 14.6% vs local median 8.9% in Oswego — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 75/100 on livability (#265 in NY, #4,189 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, commute F, employment D-.
• Oswego City School District (town): math 39% / reading 51% proficiency, ranked #465 of 590 in NY (top 79%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Leighton Elementary School (math 32% / reading 42%, grade F, #1,519 of 2,108 statewide, top 74%, 288 students, 62% FRL); Oswego Middle School (math 23% / reading 49%, grade F, #469 of 729 statewide, top 65%, 566 students, 53% FRL); Oswego High School (math 87% / reading 79%, grade A, #440 of 1,100 statewide, top 40%, 1,069 students, 51% FRL) — zoned schools average 55% FRL vs 36% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+19.2%/yr); 169 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 172 units permitted in Oswego County in 2024 (27 in 5+ unit buildings).
• This rent runs 44% of the median local income ($65k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-2.2%/yr); year-one equity from $933 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Oswego County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-2.2% appreciation + 8.0% rent growth), your $38k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $50k; list at $135k implies a 170% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1890 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $135,000

Questions for the listing agent

1. Built in 1890 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.76% ✓
• Cap rate: 14.60%
• Cash-on-cash: 29.67%
• DSCR: 2.32
• GRM: 4.7

CMA / ARV

• ARV (on-the-fly): $146,761
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
147 W Oneida St	0.34mi	4/2.0 (-1)	1,487 (-2%)	14mo	$144,200	$97	62
152 W Cayuga St	0.22mi	4/2.0 (-1)	1,360 (-10%)	8mo	$132,000	$97	59
68 Liberty St	0.08mi	4/2.0 (-1)	1,364 (-10%)	19mo	$150,000	$110	57
225 W 7th St	0.69mi	4/2.0 (-1)	1,538 (+2%)	9mo	$147,000	$96	51
121 W Oneida St	0.38mi	4/2.0 (-1)	1,706 (+13%)	5mo	$129,900	$76	50
141 W Mohawk St	0.45mi	4/1.5 (-1)	1,680 (+11%)	13mo	$155,000	$92	45
87 Sheldon Ave	0.61mi	4/2.0 (-1)	1,666 (+10%)	12mo	$230,000	$138	38
26 W 2nd St	0.50mi	4/1.0 (-1)	1,296 (-14%)	10mo	$130,000	$100	37
86 6th Ave	0.60mi	4/2.0 (-1)	1,364 (-10%)	15mo	$232,000	$170	36
132 W 3rd St	0.55mi	4/1.5 (-1)	1,348 (-11%)	20mo	$160,000	$119	34
67 W Albany St	0.73mi	4/1.5 (-1)	1,332 (-12%)	11mo	$68,000	$51	32

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-2.25% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 31.1%
• Equity multiple: 2.44×
• Total profit: $54,515
• Equity at exit: $24,665

10-year hold

• IRR: 40.1%
• Equity multiple: 5.90×
• Total profit: $185,183
• Equity at exit: $19,614

Cash invested: $37,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 15 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City: — inherits STATE

NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.

Methodology + full state rankings →

ZIP-level market 13126

• Home prices YoY: -0.8%
• Rents YoY: 19.2%
• Active inventory: 169
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $2,375 high
• Mortgage (P&I): −$708
• Tax from tax record: −$178 /mo · $2,131/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$499
• Net cashflow: $935

Break-even live

Break-even rent $1,192

Max offer price $135,000

Occupancy floor 56%

Sensitivity live

Price	-10% $1,011	-5% $973	+0% $935	+5% $897	+10% $858
Rent	-10% $747	-5% $841	+0% $935	+5% $1,029	+10% $1,122
Rate	-1.0pp $1,003	-0.5pp $969	base $935	+0.5pp $900	+1.0pp $864

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
148 W Seneca St Unit A Oswego, NY	4.0	2.0	1800	$2,400	$1.33	15d	1	0.10mi
85 Liberty St Unit A Oswego, NY	4.0	2.0	1800	$2,500	$1.39	15d	1	0.13mi
141 W Cayuga St Oswego, NY	4.0	1.0	1311	$2,100	$1.60	15d	1	0.16mi
138 W Cayuga St Unit A Oswego, NY	4.0	2.0	2000	$2,300	$1.15	15d	1	0.19mi
161 W Bridge St Unit A Oswego, NY	4.0	2.0	1400	$2,240	$1.60	15d	1	0.19mi
136 W Cayuga St Unit A Oswego, NY	4.0	2.0	1600	$2,300	$1.44	15d	1	0.20mi
153 W Bridge St Unit A Oswego, NY	4.0	1.5	1800	$2,340	$1.30	15d	1	0.20mi
144 W Bridge St Unit A Oswego, NY	4.0	2.0	2000	$2,400	$1.20	15d	1	0.24mi
103 W 8th St Unit A Oswego, NY	4.0	2.0	1800	$2,400	$1.33	15d	1	0.25mi
23 NW 9th St Oswego, NY	4.0	1.5	1700	$2,300	$1.35	15d	1	0.25mi
130 W Bridge St Unit A Oswego, NY	4.0	2.0	1700	$2,500	$1.47	15d	1	0.27mi
9 Lathrop St Unit A Oswego, NY	4.0	2.0	2100	$2,500	$1.19	15d	1	0.29mi
143 Liberty St Unit A Oswego, NY	4.0	2.0	1700	$2,480	$1.46	15d	1	0.36mi
105 W Oneida St Unit A Oswego, NY	4.0	2.0	1800	$2,540	$1.41	15d	1	0.38mi
137 W Mohawk St Oswego, NY	5.0	2.5	1904	$2,875	$1.51	45d	1	0.42mi
175 W 8th St Unit 1 A Oswego, NY	5.0	2.0	1800	$2,625	$1.46	45d	1	0.48mi
120 Sheldon Ave Unit A Oswego, NY	4.0	2.0	2100	$2,480	$1.18	15d	1	0.70mi
7040 State Route 104 Oswego, NY	5.0	2.0	1800	$2,625	$1.46	15d	1	1.02mi
4 Murray St Oswego, NY	4.0	2.0	1589	$1,800	$1.13	15d	1	1.19mi
7093 State Route 104 Oswego, NY	5.0	2.0	1800	$2,750	$1.53	15d	1	1.33mi
7095 New York 104 Unit A Oswego, NY	5.0	1.5	1984	$2,750	$1.39	15d	1	1.35mi

Listing history 3 events

1. 2026-06-22
   days on market $135,000 Active 3 DOM
2. 2026-06-18
   remarks 699-char remark
3. 2026-06-18
   listed $135,000 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast NY · Partial reset (capped growth)

• Current annual tax: $2,131 · $178/mo
• Projected year-2 tax: $2,206 · $184/mo
• Expected delta: +$75/yr (+$6/mo · 3.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥93°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,504
• − Mortgage interest: −$7,562
• − Property taxes: −$2,131
• − Insurance: −$675
• − Repairs & maintenance: −$2,280
• − Management: −$2,280
• − Depreciation: −$3,927
• Taxable income: $9,648
• Est. tax owed @ 24.0%: −$2,315
• After-tax cash flow: $8,901/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Oswego City School District
• NCES district ID: 3622050
• Math proficiency: 39% ▼ -7.00%
• Reading proficiency: 51% ▲ 9.00%
• Median HH income: $45,835
• Composite: 38.2/100
• National rank: #4257
• State rank: #465 of 590 in NY

Livability — Oswego

• Score: 75/100
• State rank: #265
• US rank: #4189

Category grades

Amenities B+ Commute F Cost of living A+ Crime F Employment D- Housing A+ Health & safety A+ User ratings A-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Oswego, NY
• County: Oswego County · 36,495 people
• City population: 36,495
• Metro: Syracuse, NY
• Population (ZIP): 36,495
• Household income: $65,346
• Rent vs Own: 34.5% rent · 65.5% own
• Severe rent burden: 1341.0

Population outlook (Oswego County) Hauer SSP2

• Today (2025): 114,465 people
• By 2030: 109,968 · -3.9%
• By 2040: 99,205 · -13.3%
• By 2050: 87,979 · -23.1%
• By 2075: 65,100 · -43.1%
• By 2100: 47,117 · -58.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Hispanic / Latino 5% Two or more races 5% Black 2% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Romanian 6% Lithuanian 4% Italian 2%
• Foreign-born: 3% · Canada
• Languages at home: 93% English-only · Spanish 3% Other Asian/Pacific 1% Other Indo-European 1%

Political lean MEDSL · Oswego

• 2024 margin: Strong R (+24.2) · D 37.9% · R 62.1%
• 2008→2024 swing: -26.6pp toward R · 2008: 2.5pp · 2024: -24.2pp
• All cycles: 2024: R+24.2 2020: R+20.2 2016: R+23.2 2012: D+7.9 2008: D+2.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -2.25%
• Current HPI: 295.5134
• Rent YoY: ▲ 19.18%
• Metro: Syracuse, NY
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

Industry mix (Fortune 500 HQ in NY)

Industry	F500 HQs	Revenue
▸Financial Services	10	$950B
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

+225.3% since first listed

3 events — show timeline

• 2026-06-18 Listed $135,000 CNYIS
• 2019-01-25 Sold (Public Records) $50,000 Public Records
• 1995-12-11 Sold (Public Records) $41,500 Public Records

Property tax history

+15.4%/yr

Latest (2025): $2,131 · -14.5% YoY. Source: county tax records.