123 Brayton RdRochesterNY14616
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $149,900, 123 Brayton Rd, Rochester, NY, 14616 in Rochester generates $1,132/mo in rent (9.06% yield) but nets only $131/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.68) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $41,415. Total projected return: $65,615.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $131 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,132 |
| Total Monthly Debt Service | $941 |
| DSCR Ratio | 1.20x |
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 1949
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14616, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,678 (100%) |
| Owner Occupied HU | 8,222 (64.9%) |
| Renter Occupied HU | 3,876 (30.6%) |
| Vacant Housing Units | 580 ( 4.6%) |
| Median Home Value | $157,110 |
| Average Home Value | $201,258 |
Housing Distribution
Address Breakdown
Residential
12,359
Single Family
10,539
Multi-Family
1,820
Businesses
404
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 1949
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14616, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,678 (100%) |
| Owner Occupied HU | 8,222 (64.9%) |
| Renter Occupied HU | 3,876 (30.6%) |
| Vacant Housing Units | 580 ( 4.6%) |
| Median Home Value | $157,110 |
| Average Home Value | $201,258 |
Housing Distribution
Address Breakdown
Residential
12,359
Single Family
10,539
Multi-Family
1,820
Businesses
404
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices