120 Oak LnRochesterNY14610
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 120 Oak Ln, Rochester, NY, 14610 in Rochester deserves attention. This $474,900 property earns $4,242/mo in rent, a 10.72% gross yield, and nets $1,071/mo after the $2,135/mo payment. DSCR 1.99 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $131,206 compounds alongside $4,374/yr in yearly equity build, for a total cumulative return of $250,049.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $1,071 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,242 |
| Total Monthly Debt Service | $2,982 |
| DSCR Ratio | 1.42x |
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 1977
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14610, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,951 (100%) |
| Owner Occupied HU | 4,025 (50.6%) |
| Renter Occupied HU | 3,464 (43.6%) |
| Vacant Housing Units | 462 ( 5.8%) |
| Median Home Value | $304,262 |
| Average Home Value | $353,386 |
Housing Distribution
Address Breakdown
Residential
7,356
Single Family
4,739
Multi-Family
2,617
Businesses
551
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 1977
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14610, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,951 (100%) |
| Owner Occupied HU | 4,025 (50.6%) |
| Renter Occupied HU | 3,464 (43.6%) |
| Vacant Housing Units | 462 ( 5.8%) |
| Median Home Value | $304,262 |
| Average Home Value | $353,386 |
Housing Distribution
Address Breakdown
Residential
7,356
Single Family
4,739
Multi-Family
2,617
Businesses
551
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices