# 539 Congress St, Troy, NY 12180

> **TL;DR:** 9bd/3ba residential multi family, $475,000, built 1920.
> Hardwood. Est. $2,541/mo. Listed 75 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $475,000 |
| Bedrooms | 9 |
| Bathrooms | 3 full |
| Year Built | 1920 |
| Lot Size | 7,841 sqft (0.18 acres) |
| Stories | 3 |
| Property Type | Residential Multi Family (Other) |
| Status | Pending |
| Days on Market | 75 |

## Why This Home Stands Out

- **Hardwood Floors** - Hardwood flooring listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $2,402 |
| Estimated Insurance | $139 |
| **Total** | **$2,541** |

## Key Amenities

- Hardwood

## Property Highlights

- Built in 1920
- 0.18 acre lot
- 3 stories

## Description

### Agent Description
539 Congress Street is a fully leased, by-the-bedroom student rental on The Hill in Troy, a 2-minute walk to RPI Campus Commons. All nine furnished bedrooms are leased for the 2026-27 academic year at $5,690/month ($68,280/year) across nine individual leases, meaning day-one cash flow. At the $475,000 ask, the property trades at a 10.0% in-place cap rate ($52,778 per bed), a 7.0x GRM, and a 1.76x DSCR at 75% leverage with a 15.4% cash-on-cash return. The building itself is a beautiful brick building with 3 units - one 1-bedroom, and two 4-bedroom units. The units have hardwood floors, come fully furnished, and the common space in the backyard is a great amenity. Listing agent has an ownership interest. Buyer is encouraged to perform their own inspections.

## Location

- **Address:** 539 Congress St, Troy, NY 12180
- **County:** Rensselaer
- **Coordinates:** 42.722572, -73.677575
- **Google Maps:** https://www.google.com/maps?q=42.722572,-73.677575

## Listing Agent

- **Name:** Galen Faurot-Pigeon
- **Brokerage:** NB ELITE REALTY LLC
- **Broker Phone:** 8444446237
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/539-Congress-St_Troy_NY_12180_M91290-40563?f=listhub&s=NYSMLS&m=11943498&c=propsimple)

## Photos

![539 Congress St - Photo 1](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f3845495261r.jpg)

![539 Congress St - Photo 2](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f2385588675r.jpg)

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![539 Congress St - Photo 33](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f570708593r.jpg)

![539 Congress St - Photo 34](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f4107597730r.jpg)

![539 Congress St - Photo 35](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f4208997643r.jpg)

![539 Congress St - Photo 36](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f3569650579r.jpg)

![539 Congress St - Photo 37](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f4163947148r.jpg)

![539 Congress St - Photo 38](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f1518660277r.jpg)

![539 Congress St - Photo 39](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f4177797593r.jpg)

![539 Congress St - Photo 40](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f4230934315r.jpg)

![539 Congress St - Photo 41](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f1200019519r.jpg)

![539 Congress St - Photo 42](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f4266928190r.jpg)

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![539 Congress St - Photo 45](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f154027428r.jpg)

![539 Congress St - Photo 46](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f1038079304r.jpg)

![539 Congress St - Photo 47](http://lh.rdcpix.com/0aad40c4448952745e47243f3d0d94e2l-f2339714244r.jpg)

---

**MLS#:** 11943498 | **Updated:** 2026-10-31
**Source:** listhub

*Copyright © 2026 My State MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/539-congress-st-troy-ny-12180-94f8cc46359e4388b2c1a0512cb8344e)

---

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