18 Christa StBuffaloNY14225
INVESTMENT ANALYSIS
Investment Verdict
Solid Income18 Christa St, Buffalo, NY, 14225 in Buffalo earns a respectable 9.27% gross yield at $149,900, but after the $711/mo mortgage the net cash flow is $157/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.63) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $41,415 over five years, making equity the dominant return driver. Total projected return: $64,437.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.5% |
| Monthly Cash Flow | $157 | $450 |
City averages based on Buffalo market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,158 |
| Total Monthly Debt Service | $978 |
| DSCR Ratio | 1.18x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1950
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14225, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,859 (100%) |
| Owner Occupied HU | 11,130 (66.0%) |
| Renter Occupied HU | 4,646 (27.6%) |
| Vacant Housing Units | 1,083 ( 6.4%) |
| Median Home Value | $182,061 |
| Average Home Value | $268,332 |
Housing Distribution
Address Breakdown
Residential
15,114
Single Family
14,257
Multi-Family
857
Businesses
1,430
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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
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