22 Liebel StreetAlbanyNY12202
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Albany rental at 22 Liebel Street, Albany, NY, 12202 sits in the solid-income band: 11.62% gross yield, $1,500/mo rent, $466/mo net after the $697/mo debt service, DSCR 2.15. Entry price of $154,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $42,796 and $1,427/yr in principal reduction bring total cumulative return to $89,001.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.2% |
| Monthly Cash Flow | $466 | $850 |
City averages based on Albany market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,500 |
| Total Monthly Debt Service | $973 |
| DSCR Ratio | 1.54x |
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 1940
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12202, Albany, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,246 (100%) |
| Owner Occupied HU | 1,027 (19.6%) |
| Renter Occupied HU | 3,599 (68.6%) |
| Vacant Housing Units | 620 (11.8%) |
| Median Home Value | $149,237 |
| Average Home Value | $190,342 |
Housing Distribution
Address Breakdown
Residential
4,508
Single Family
3,389
Multi-Family
1,119
Businesses
262
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 1940
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12202, Albany, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,246 (100%) |
| Owner Occupied HU | 1,027 (19.6%) |
| Renter Occupied HU | 3,599 (68.6%) |
| Vacant Housing Units | 620 (11.8%) |
| Median Home Value | $149,237 |
| Average Home Value | $190,342 |
Housing Distribution
Address Breakdown
Residential
4,508
Single Family
3,389
Multi-Family
1,119
Businesses
262
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices