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Lofty Secondary

84 Madison Ave, Albany, NY 12202

🇺🇸 Albany, NY

84 Madison Ave, Albany, NY 12202 — photo 1 1 / 12

Total Asset Value

$312,080

$393,093 raised

Price

$40.00 / token -9.1% vs previous fill

-20.6% vs issue price

Buy on Lofty ↗

🕒 Realized yield · no payout 9 mo

2.38%

average of yield over time, to date

📈 Current Market Yield · no payout 9 mo

5.25%

No distribution for 9 months — this yield is what the listing would pay, not what it is paying.

⚠️ Risk signals

✕ 2 ! 2 ✓ 3

red = caution · click to inspect each signal

🔔 Watch this property

Get alerted when liquidity drops, a lawsuit is filed, or distributions stop.

Risk check No payout · 9 mo Short-term rental Rent current Rent 21% above HUD FMR Flood zone AE Yield dipped to 4.5% Sellable -21% vs issue

Overview

4/5
Platform
Lofty
Token symbol
Not provided
Asset class
Real estate
Market
Secondary
Status
Active

Exit & Liquidity

5/9
Sellability
Two-sided
Trades (7d)
Not provided
AMM pool cash (USDC)
$0.00
AMM pool tokens
0
Order book — buy
154
Order book — sell
272

Executed trades

20 fills

Actual fills on the secondary market, newest first — not open orders. Updated hourly; where a transaction hash exists the date links to the chain.

When Tokens Price Value
Aug 31, 2026 2 $40.00 $80.00
Aug 28, 2026 2.27 $44.00 $99.88
Aug 26, 2026 2 $50.38 $100.76
Aug 26, 2026 230 $50.38 $11,587.40
Aug 26, 2026 1 $50.38 $50.38
Aug 26, 2026 1 $50.38 $50.38
Aug 26, 2026 10 $50.38 $503.80
Aug 26, 2026 243 $50.38 $12,242.34
Aug 26, 2026 10 $50.38 $503.80
Aug 26, 2026 171 $50.38 $8,614.98
Aug 26, 2026 243 $50.38 $12,242.34
Aug 26, 2026 1 $50.38 $50.38
Aug 26, 2026 172 $50.38 $8,665.36
Aug 26, 2026 1 $50.38 $50.38
Aug 26, 2026 20 $50.38 $1,007.60
Aug 26, 2026 2,449 $50.38 $123,380.62
Aug 26, 2026 4 $50.38 $201.52
Aug 14, 2026 1 $55.00 $55.00
Aug 14, 2026 1 $35.19 $35.19
Aug 13, 2026 1 $31.09 $31.09

Returns

8/11
Net APY
4.17%
Gross APY
4.17%
Realized ARY
2.38%
Cap rate
4.17%
Cash-on-cash
4.17%
Gross rent / yr
$27,373.20
Monthly rent
$2,281.10
Total rent paid
Not provided
Payout cadence
Monthly
since Aug 2025 · 5 monthly payouts
Metric

Net yield over time

Avg 2.38%
Aug 2025 0.00%–10.54% Oct 2026

Operating costs (annual) — the drag from gross rent to NOI

Property tax $10,387.32 37.95%
Insurance $1,842.96 6.73%
Management $4,106.04 15.00%
Utilities $31,526.28 115.17%
Maintenance reserve $3,000.00 10.96%
Total operating costs $50,862.60 185.81%
Gross rent → NOI $27,373.20 → —

How net yield is calculated

Tenants pay gross rent, but property management (~7%), insurance, property tax, maintenance and the platform fee come out before you’re paid. Net rent is what’s left to distribute — those costs fall on the investor, not the platform. The platform keeps only its listing/trading fee.

Why the payout swings. Lofty distributes the actual cash collected each month, so a repair, a vacancy or a fee lands in the month it happens — the bars above move with it. You see costs raw, as they occur, not averaged out.

Valuation

13/17
Current price / token
$40.00 · 2 tokens ($80.00) · Aug 31, 2026
Appraisal NAV
$50.38
Premium / discount vs NAV
-20.6%
Underlying value
$394,050.00
Sale price
$351,750.00
ZIP home value (Zillow)
$185,857.95
This price vs ZIP
+89.3%
ZIP rent (Zillow)
$1,405.42
This rent vs ZIP
+62.3%
Median home value (ACS)
$67,600.00
Median rent (ACS)
$887.00
HUD fair market rent
$1,880.00 (5BR · ZIP)
Rent vs HUD FMR
+21.3%

Risk

12/16
LTV
58.20%
Property price
$351,750.00
Loan
$204,889.24
Equity
$146,860.76
Monthly loan repayment
$0.00
Occupancy
Vacancy on record
Vacancy rate (tract)
17.20%
Vacancy rate (county)
9.70%
Income vs county
-56.5%
Income trend
+90.6%
Population trend
-22.3%
County tax standing
Not provided
FEMA flood zone
AE · SFHA

⚠️ Monthly loan repayment is $0 (deferred) — the 58.2% loan isn’t being serviced now, which inflates current cash yield, but the $204,889.24 principal still claims sale proceeds.

Whale concentration

High
Holders (wallets)
≈ 19ⓘ
Total tokens
7,821
Top holder
52.77%
Top 5
93.41%
Top 10
99.70%
Largest holding
4,117 tokens
Effective holders
2.6
HHI
3,814.8
Distribution of the top 19 holders — hover for value & quantity

Read live from Algorand: every holder's on-chain balance across 19 wallets (issuer/reserve excluded). Higher top-holder share means a single seller can move the price. The platform's own holder count can run slightly higher — it also counts owners pooled in its custodial wallet.

Property & Neighborhood

9/13
Address
Not provided
Location
Albany, NY
Country
United States
Property type
Short-term rental
Beds / baths
5 Bed / 3 Bath
Size
2,972 sqft
Year built
2025
Operating since
2025-08-01 (1y 2m in)
Median income (tract)
$36,150.00
Population (tract)
2,653

Off-chain neighborhood data — US Census ACS 5-year (tract 002500) + Zillow ZIP indices, joined by geocoded address. Measured, not curated.