21 120th StreetTroyNY12182








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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


Investment Highlights
Rental property for sale in Troy at 21 120th Street, Troy, NY, 12182 generates $1,340/mo in rent and, after a $857/mo payment, leaves $171/mo in cash flow. Total monthly income is $1,340/mo, and annual cash flow is $2,051/yr on $58,013 invested. Return on cash invested sits at 23.44% in year one, and rental yield is 9.19% on a $175,000 entry. Equity gained on principal adds $1,129/yr, while 5% annual appreciation builds toward $48,349 over five years. Five-year ROI reaches 122.45% and total cumulative return in cash sums $71,035. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $1,340/mo property income rather than buyer’s personal income.
Single Family
Built in 1900
871.20 sqft 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
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Listed by: Irvin S Ackerman • Coldwell Banker Commercial Prime Properties
Mls Name: Global MLS
Mls Provider:
Mls ID: #202511266
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Judy Moriarty, Zillow, Inc., Corp. Broker








