109 Stevenson StBuffaloNY14220
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow109 Stevenson St, Buffalo, NY, 14220 in Buffalo earns its strong cash-flow label: 11.68% yield, $2,042/mo rent, $641/mo net income, DSCR 2.16. The $209,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $57,992 by year five. Combined with $1,933/yr in principal paydown, total projected return reaches $121,234.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.5% |
| Monthly Cash Flow | $641 | $450 |
City averages based on Buffalo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,042 |
| Total Monthly Debt Service | $1,318 |
| DSCR Ratio | 1.55x |
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 1928
4,081 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14220, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,383 (100%) |
| Owner Occupied HU | 6,486 (57.0%) |
| Renter Occupied HU | 3,937 (34.6%) |
| Vacant Housing Units | 960 ( 8.4%) |
| Median Home Value | $207,577 |
| Average Home Value | $272,914 |
Housing Distribution
Address Breakdown
Residential
9,537
Single Family
9,308
Multi-Family
229
Businesses
403
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 1928
4,081 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14220, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,383 (100%) |
| Owner Occupied HU | 6,486 (57.0%) |
| Renter Occupied HU | 3,937 (34.6%) |
| Vacant Housing Units | 960 ( 8.4%) |
| Median Home Value | $207,577 |
| Average Home Value | $272,914 |
Housing Distribution
Address Breakdown
Residential
9,537
Single Family
9,308
Multi-Family
229
Businesses
403
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices