178 Phyllis AveBuffaloNY14215
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow178 Phyllis Ave, Buffalo, NY, 14215 in Buffalo is a top-tier cash-flow asset. At $105,900 it produces $1,860/mo in rent and $1,153/mo in net monthly income, a 21.08% gross rental yield. The DSCR of 3.91 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $13,834. Five-year appreciation adds $29,258, driving a total cumulative return of $114,611.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 21.1% | 6.5% |
| Monthly Cash Flow | $1,153 | $450 |
City averages based on Buffalo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,860 |
| Total Monthly Debt Service | $665 |
| DSCR Ratio | 2.80x |
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 1920
3,149 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14215, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,440 (100%) |
| Owner Occupied HU | 7,277 (39.5%) |
| Renter Occupied HU | 9,242 (50.1%) |
| Vacant Housing Units | 1,921 (10.4%) |
| Median Home Value | $99,609 |
| Average Home Value | $275,339 |
Housing Distribution
Address Breakdown
Residential
14,329
Single Family
14,102
Multi-Family
227
Businesses
660
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 1920
3,149 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14215, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,440 (100%) |
| Owner Occupied HU | 7,277 (39.5%) |
| Renter Occupied HU | 9,242 (50.1%) |
| Vacant Housing Units | 1,921 (10.4%) |
| Median Home Value | $99,609 |
| Average Home Value | $275,339 |
Housing Distribution
Address Breakdown
Residential
14,329
Single Family
14,102
Multi-Family
227
Businesses
660
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices