20 Maxwell DriveTroyNY12180
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $175,000, 20 Maxwell Drive, Troy, NY, 12180 in Troy generates $1,352/mo in rent (9.27% yield) but nets only $33/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.72) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $48,349. Total projected return: $78,513.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $33 | $420 |
City averages based on Troy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,352 |
| Total Monthly Debt Service | $1,099 |
| DSCR Ratio | 1.23x |
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.
Condo
Built in 1970
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12180, Troy, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,432 (100%) |
| Owner Occupied HU | 10,017 (37.9%) |
| Renter Occupied HU | 13,243 (50.1%) |
| Vacant Housing Units | 3,172 (12.0%) |
| Median Home Value | $263,950 |
| Average Home Value | $328,907 |
Housing Distribution
Address Breakdown
Residential
22,996
Single Family
17,432
Multi-Family
5,564
Businesses
1,424
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
Condo
Built in 1970
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12180, Troy, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,432 (100%) |
| Owner Occupied HU | 10,017 (37.9%) |
| Renter Occupied HU | 13,243 (50.1%) |
| Vacant Housing Units | 3,172 (12.0%) |
| Median Home Value | $263,950 |
| Average Home Value | $328,907 |
Housing Distribution
Address Breakdown
Residential
22,996
Single Family
17,432
Multi-Family
5,564
Businesses
1,424
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices