132 Cottage StBuffaloNY14201
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 132 Cottage St, Buffalo, NY, 14201 in Buffalo earns a 9.39% gross yield at $398,500. Rent of $3,119/mo nets $458/mo after the $1,792/mo mortgage. The 1.74 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $110,098 and $3,670/yr in equity accumulation project a total cumulative return of $181,437.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.5% |
| Monthly Cash Flow | $458 | $450 |
City averages based on Buffalo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,119 |
| Total Monthly Debt Service | $2,503 |
| DSCR Ratio | 1.25x |
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
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14201, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,567 (100%) |
| Owner Occupied HU | 1,227 (16.2%) |
| Renter Occupied HU | 5,405 (71.4%) |
| Vacant Housing Units | 935 (12.4%) |
| Median Home Value | $335,827 |
| Average Home Value | $375,897 |
Housing Distribution
Address Breakdown
Residential
5,939
Single Family
3,595
Multi-Family
2,344
Businesses
453
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
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14201, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,567 (100%) |
| Owner Occupied HU | 1,227 (16.2%) |
| Renter Occupied HU | 5,405 (71.4%) |
| Vacant Housing Units | 935 (12.4%) |
| Median Home Value | $335,827 |
| Average Home Value | $375,897 |
Housing Distribution
Address Breakdown
Residential
5,939
Single Family
3,595
Multi-Family
2,344
Businesses
453
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices