12 Avenue ATroyNY12182
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 12 Avenue A, Troy, NY, 12182 in Troy speaks for itself: 18.01% gross on a $164,000 price, generating $2,461/mo in rent and $1,366/mo in net income after the $737/mo debt service. DSCR 3.34, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $16,392 stacks alongside $45,310 in projected five-year appreciation and $1,510/yr in principal reduction. Projected total cumulative return: $150,477.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18% | 6.2% |
| Monthly Cash Flow | $1,366 | $420 |
City averages based on Troy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,461 |
| Total Monthly Debt Service | $1,030 |
| DSCR Ratio | 2.39x |
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.
Single Family
Built in 1934
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12182, Troy, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,134 (100%) |
| Owner Occupied HU | 3,405 (47.7%) |
| Renter Occupied HU | 2,901 (40.7%) |
| Vacant Housing Units | 828 (11.6%) |
| Median Home Value | $225,465 |
| Average Home Value | $278,897 |
Housing Distribution
Address Breakdown
Residential
6,511
Single Family
5,718
Multi-Family
793
Businesses
282
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
Single Family
Built in 1934
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12182, Troy, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,134 (100%) |
| Owner Occupied HU | 3,405 (47.7%) |
| Renter Occupied HU | 2,901 (40.7%) |
| Vacant Housing Units | 828 (11.6%) |
| Median Home Value | $225,465 |
| Average Home Value | $278,897 |
Housing Distribution
Address Breakdown
Residential
6,511
Single Family
5,718
Multi-Family
793
Businesses
282
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices