11 Spinet Dr Space 11RochesterNY14625
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.13% yield at 11 Spinet Dr Space 11, Rochester, NY, 14625 in Rochester is solid, but the $625/mo payment compresses net cash flow to $129/mo at $138,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $38,376 by year five, and $1,279/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.69) without U.S. income documentation. Total projected return: $61,307.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $129 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,057 |
| Total Monthly Debt Service | $872 |
| DSCR Ratio | 1.21x |
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.
Manufactured
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14625, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,230 (100%) |
| Owner Occupied HU | 3,935 (75.2%) |
| Renter Occupied HU | 941 (18.0%) |
| Vacant Housing Units | 354 ( 6.8%) |
| Median Home Value | $293,955 |
| Average Home Value | $331,034 |
Housing Distribution
Address Breakdown
Residential
4,807
Single Family
4,164
Multi-Family
643
Businesses
517
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
Manufactured
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14625, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,230 (100%) |
| Owner Occupied HU | 3,935 (75.2%) |
| Renter Occupied HU | 941 (18.0%) |
| Vacant Housing Units | 354 ( 6.8%) |
| Median Home Value | $293,955 |
| Average Home Value | $331,034 |
Housing Distribution
Address Breakdown
Residential
4,807
Single Family
4,164
Multi-Family
643
Businesses
517
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
