83 Albany StreetPoughkeepsieNY12601
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 83 Albany Street, Poughkeepsie, NY, 12601 in Poughkeepsie speaks for itself: 10.39% gross on a $365,000 price, generating $3,160/mo in rent and $723/mo in net income after the $1,641/mo debt service. DSCR 1.93, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,671 stacks alongside $100,843 in projected five-year appreciation and $3,362/yr in principal reduction. Projected total cumulative return: $185,748.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.1% |
| Monthly Cash Flow | $723 | $850 |
City averages based on Poughkeepsie market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,160 |
| Total Monthly Debt Service | $2,292 |
| DSCR Ratio | 1.38x |
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 1855
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12601, Poughkeepsie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,560 (100%) |
| Owner Occupied HU | 7,008 (35.8%) |
| Renter Occupied HU | 10,656 (54.5%) |
| Vacant Housing Units | 1,896 ( 9.7%) |
| Median Home Value | $327,755 |
| Average Home Value | $381,114 |
Housing Distribution
Address Breakdown
Residential
16,047
Single Family
11,477
Multi-Family
4,570
Businesses
1,666
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 1855
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12601, Poughkeepsie, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,560 (100%) |
| Owner Occupied HU | 7,008 (35.8%) |
| Renter Occupied HU | 10,656 (54.5%) |
| Vacant Housing Units | 1,896 ( 9.7%) |
| Median Home Value | $327,755 |
| Average Home Value | $381,114 |
Housing Distribution
Address Breakdown
Residential
16,047
Single Family
11,477
Multi-Family
4,570
Businesses
1,666
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: OneKey MLS as distributed by MLS GRID
Mls ID: #975387