144 N Virginia StWaterlooNY13165








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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


Investment Highlights
Investment property for sale in Waterloo at 144 N Virginia St, Waterloo, NY, 13165 offers a 9.23% rental yield on a $199,000 purchase with $1,531/mo rent. Total monthly income registers $1,531/mo, and a $974/mo payment leaves $202/mo available for distribution. Annual cash flow reaches $2,425/yr on $65,969 to close, and return on cash invested stands at 23.59% in year one. Equity gained on principal adds $1,284/yr while 5% annual appreciation supports $54,980 over five years. Portfolio math shows five-year ROI at 123.27% and total cumulative return in cash at $81,318. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $1,531/mo property income against a $974/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1927
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13165, Waterloo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,911 (100%) |
| Owner Occupied HU | 3,072 (62.6%) |
| Renter Occupied HU | 1,333 (27.1%) |
| Vacant Housing Units | 506 (10.3%) |
| Median Home Value | $144,727 |
| Average Home Value | $204,023 |
Housing Distribution
Address Breakdown
Residential
4,362
Single Family
4,219
Multi-Family
143
Businesses
420
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