1 Hudson AveTroyNY12183
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 1 Hudson Ave, Troy, NY, 12183 in Troy: $1,990/mo in rent, $721/mo net, 12.57% gross yield, all on a $189,900 acquisition. The 2.33 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $52,466 in value, and $1,749/yr in principal paydown steadily builds equity. Projected total cumulative return: $118,902.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 6.2% |
| Monthly Cash Flow | $721 | $420 |
City averages based on Troy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,990 |
| Total Monthly Debt Service | $1,193 |
| DSCR Ratio | 1.67x |
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 1890
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12183, Troy, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,837 (100%) |
| Owner Occupied HU | 385 (21.0%) |
| Renter Occupied HU | 1,123 (61.1%) |
| Vacant Housing Units | 329 (17.9%) |
| Median Home Value | $171,094 |
| Average Home Value | $196,662 |
Housing Distribution
Address Breakdown
Residential
1,355
Single Family
971
Multi-Family
384
Businesses
122
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 1890
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12183, Troy, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,837 (100%) |
| Owner Occupied HU | 385 (21.0%) |
| Renter Occupied HU | 1,123 (61.1%) |
| Vacant Housing Units | 329 (17.9%) |
| Median Home Value | $171,094 |
| Average Home Value | $196,662 |
Housing Distribution
Address Breakdown
Residential
1,355
Single Family
971
Multi-Family
384
Businesses
122
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices