172 S Pine AvenueAlbanyNY12208
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow172 S Pine Avenue, Albany, NY, 12208 in Albany is a top-tier cash-flow asset. At $285,000 it produces $4,234/mo in rent and $2,330/mo in net monthly income, a 17.83% gross rental yield. The DSCR of 3.30 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $27,965. Five-year appreciation adds $78,740, driving a total cumulative return of $258,647.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.8% | 6.2% |
| Monthly Cash Flow | $2,330 | $850 |
City averages based on Albany market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,234 |
| Total Monthly Debt Service | $1,790 |
| DSCR Ratio | 2.37x |
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 1926
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12208, Albany, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,963 (100%) |
| Owner Occupied HU | 4,175 (38.1%) |
| Renter Occupied HU | 5,550 (50.6%) |
| Vacant Housing Units | 1,238 (11.3%) |
| Median Home Value | $269,651 |
| Average Home Value | $313,159 |
Housing Distribution
Address Breakdown
Residential
10,053
Single Family
7,877
Multi-Family
2,176
Businesses
404
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 1926
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12208, Albany, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,963 (100%) |
| Owner Occupied HU | 4,175 (38.1%) |
| Renter Occupied HU | 5,550 (50.6%) |
| Vacant Housing Units | 1,238 (11.3%) |
| Median Home Value | $269,651 |
| Average Home Value | $313,159 |
Housing Distribution
Address Breakdown
Residential
10,053
Single Family
7,877
Multi-Family
2,176
Businesses
404
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices