225 Jay StreetAlbanyNY12210
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow225 Jay Street, Albany, NY, 12210 in Albany is a top-tier cash-flow asset. At $350,000 it produces $3,197/mo in rent and $860/mo in net monthly income, a 10.96% gross rental yield. The DSCR of 2.03 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $10,315. Five-year appreciation adds $96,699, driving a total cumulative return of $188,791.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.2% |
| Monthly Cash Flow | $860 | $850 |
City averages based on Albany market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,197 |
| Total Monthly Debt Service | $2,198 |
| DSCR Ratio | 1.45x |
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.
Multi Family
Built in 1856
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12210, Albany, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,472 (100%) |
| Owner Occupied HU | 975 (15.1%) |
| Renter Occupied HU | 4,547 (70.3%) |
| Vacant Housing Units | 950 (14.7%) |
| Median Home Value | $274,846 |
| Average Home Value | $306,108 |
Housing Distribution
Address Breakdown
Residential
5,448
Single Family
3,336
Multi-Family
2,112
Businesses
512
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
Multi Family
Built in 1856
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12210, Albany, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,472 (100%) |
| Owner Occupied HU | 975 (15.1%) |
| Renter Occupied HU | 4,547 (70.3%) |
| Vacant Housing Units | 950 (14.7%) |
| Median Home Value | $274,846 |
| Average Home Value | $306,108 |
Housing Distribution
Address Breakdown
Residential
5,448
Single Family
3,336
Multi-Family
2,112
Businesses
512
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices