122 Ambrose StRochesterNY14608
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 122 Ambrose St, Rochester, NY, 14608 in Rochester: $1,330/mo in rent, $461/mo in net income, 12.27% gross yield, 2.27 DSCR, all at $130,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $35,917 in appreciation and $1,197/yr in principal paydown projects total cumulative return of $79,325.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 6.2% |
| Monthly Cash Flow | $461 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,330 |
| Total Monthly Debt Service | $816 |
| DSCR Ratio | 1.63x |
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.
Multi Family
Built in 1900
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14608, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,732 (100%) |
| Owner Occupied HU | 1,103 (16.4%) |
| Renter Occupied HU | 4,824 (71.7%) |
| Vacant Housing Units | 805 (12.0%) |
| Median Home Value | $161,563 |
| Average Home Value | $208,960 |
Housing Distribution
Address Breakdown
Residential
5,303
Single Family
4,100
Multi-Family
1,203
Businesses
449
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
Multi Family
Built in 1900
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14608, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,732 (100%) |
| Owner Occupied HU | 1,103 (16.4%) |
| Renter Occupied HU | 4,824 (71.7%) |
| Vacant Housing Units | 805 (12.0%) |
| Median Home Value | $161,563 |
| Average Home Value | $208,960 |
Housing Distribution
Address Breakdown
Residential
5,303
Single Family
4,100
Multi-Family
1,203
Businesses
449
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices