527 Clinton AveAlbanyNY12206
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 527 Clinton Ave, Albany, NY, 12206 in Albany deserves attention. This $157,100 property earns $1,455/mo in rent, a 12.47% gross yield, and nets $520/mo after the $706/mo payment. DSCR 2.06 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $43,404 compounds alongside $1,447/yr in yearly equity build, for a total cumulative return of $86,064.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.5% | 6.2% |
| Monthly Cash Flow | $520 | $850 |
City averages based on Albany market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,455 |
| Total Monthly Debt Service | $987 |
| DSCR Ratio | 1.47x |
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 1875
2,625 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12206, Albany, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,508 (100%) |
| Owner Occupied HU | 1,537 (18.1%) |
| Renter Occupied HU | 5,509 (64.8%) |
| Vacant Housing Units | 1,462 (17.2%) |
| Median Home Value | $173,929 |
| Average Home Value | $228,710 |
Housing Distribution
Address Breakdown
Residential
6,652
Single Family
5,533
Multi-Family
1,119
Businesses
816
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 1875
2,625 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12206, Albany, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,508 (100%) |
| Owner Occupied HU | 1,537 (18.1%) |
| Renter Occupied HU | 5,509 (64.8%) |
| Vacant Housing Units | 1,462 (17.2%) |
| Median Home Value | $173,929 |
| Average Home Value | $228,710 |
Housing Distribution
Address Breakdown
Residential
6,652
Single Family
5,533
Multi-Family
1,119
Businesses
816
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices