1312 Ontario AveNiagara FallsNY14305
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1312 Ontario Ave, Niagara Falls, NY, 14305 in Niagara Falls is narrow, $90/mo net on $1,158/mo rent after the $719/mo debt service, but the property operates at break-even-plus, not a loss. At $160,000 with a 8.69% yield, the long-run equity case via 5% appreciation ($44,205 over five years) and $1,474/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.61 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $66,820.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 8.0% |
| Monthly Cash Flow | $90 | $1,500 |
City averages based on Niagara Falls market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,158 |
| Total Monthly Debt Service | $1,005 |
| DSCR Ratio | 1.15x |
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 1910
6,834 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14305, Niagara Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,035 (100%) |
| Owner Occupied HU | 3,874 (48.2%) |
| Renter Occupied HU | 3,182 (39.6%) |
| Vacant Housing Units | 979 (12.2%) |
| Median Home Value | $158,333 |
| Average Home Value | $261,001 |
Housing Distribution
Address Breakdown
Residential
6,891
Single Family
6,391
Multi-Family
500
Businesses
363
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 1910
6,834 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14305, Niagara Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,035 (100%) |
| Owner Occupied HU | 3,874 (48.2%) |
| Renter Occupied HU | 3,182 (39.6%) |
| Vacant Housing Units | 979 (12.2%) |
| Median Home Value | $158,333 |
| Average Home Value | $261,001 |
Housing Distribution
Address Breakdown
Residential
6,891
Single Family
6,391
Multi-Family
500
Businesses
363
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brandon Peggues • HUNT Real Estate Corporation
Mls Name: NYSAMLSs
Mls ID: #B1627405