36 Dartmouth StreetAlbanyNY12209
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 36 Dartmouth Street, Albany, NY, 12209 in Albany. Priced at $279,900, it generates $3,960/mo in gross rent and $2,091/mo in net monthly cash flow, a 16.98% yield that comfortably supports the 3.15 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $25,091. Five-year appreciation: $77,331. Equity from principal paydown: $2,578/yr. Total projected cumulative return: $241,264.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17% | 6.2% |
| Monthly Cash Flow | $2,091 | $850 |
City averages based on Albany market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,960 |
| Total Monthly Debt Service | $1,758 |
| DSCR Ratio | 2.25x |
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 1930
6,125 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12209, Albany, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,879 (100%) |
| Owner Occupied HU | 2,479 (50.8%) |
| Renter Occupied HU | 2,001 (41.0%) |
| Vacant Housing Units | 399 ( 8.2%) |
| Median Home Value | $206,556 |
| Average Home Value | $263,270 |
Housing Distribution
Address Breakdown
Residential
4,234
Single Family
4,088
Multi-Family
146
Businesses
133
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 1930
6,125 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12209, Albany, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,879 (100%) |
| Owner Occupied HU | 2,479 (50.8%) |
| Renter Occupied HU | 2,001 (41.0%) |
| Vacant Housing Units | 399 ( 8.2%) |
| Median Home Value | $206,556 |
| Average Home Value | $263,270 |
Housing Distribution
Address Breakdown
Residential
4,234
Single Family
4,088
Multi-Family
146
Businesses
133
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices