99 Oak Street is a fully renovated, 24-unit, 40-bed student housing investment located on Binghamton’s West Side. Offered at $2,999,000, the property generates reported net operating income of $246,206, representing an 8.21% cap rate. Approximately $890,960 has been invested in property improvements, including modernized apartments, upgraded common areas, and enhancements designed to improve functionality, appearance, and tenant appeal. The offering provides investors with immediate income, operational scale, and reduced near-term capital requirements. Qualified buyers may also have the opportunity to assume approximately $2.01 million in fixed-rate, non-recourse financing maturing in June 2033. The property is positioned within Binghamton’s established student rental market, with access to Downtown Binghamton, public transportation, dining, retail, and the Court Street Bridge.