2 Ribbon Candy LaneTroyNY12182
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow2 Ribbon Candy Lane, Troy, NY, 12182 in Troy is a top-tier cash-flow asset. At $339,900 it produces $3,659/mo in rent and $1,389/mo in net monthly income, a 12.92% gross rental yield. The DSCR of 2.39 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $16,668. Five-year appreciation adds $93,908, driving a total cumulative return of $219,038.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.9% | 6.2% |
| Monthly Cash Flow | $1,389 | $420 |
City averages based on Troy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,659 |
| Total Monthly Debt Service | $2,135 |
| DSCR Ratio | 1.71x |
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 1972
0.99 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 1972
0.99 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