118 Courtly CirRochesterNY14615
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Rochester rental at 118 Courtly Cir, Rochester, NY, 14615 sits in the solid-income band: 10.24% gross yield, $1,920/mo rent, $418/mo net after the $1,011/mo debt service, DSCR 1.90. Entry price of $224,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $62,136 and $2,071/yr in principal reduction bring total cumulative return to $112,683.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.2% |
| Monthly Cash Flow | $418 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,920 |
| Total Monthly Debt Service | $1,412 |
| DSCR Ratio | 1.36x |
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 1963
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14615, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,981 (100%) |
| Owner Occupied HU | 3,678 (46.1%) |
| Renter Occupied HU | 3,950 (49.5%) |
| Vacant Housing Units | 353 ( 4.4%) |
| Median Home Value | $150,256 |
| Average Home Value | $187,550 |
Housing Distribution
Address Breakdown
Residential
7,279
Single Family
5,737
Multi-Family
1,542
Businesses
488
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 1963
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14615, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,981 (100%) |
| Owner Occupied HU | 3,678 (46.1%) |
| Renter Occupied HU | 3,950 (49.5%) |
| Vacant Housing Units | 353 ( 4.4%) |
| Median Home Value | $150,256 |
| Average Home Value | $187,550 |
Housing Distribution
Address Breakdown
Residential
7,279
Single Family
5,737
Multi-Family
1,542
Businesses
488
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices