20 White Birch CirRochesterNY14624
INVESTMENT ANALYSIS
Investment Verdict
Solid Income20 White Birch Cir, Rochester, NY, 14624 in Rochester is a solid income-producing rental, 9.77% gross yield, $2,280/mo rent, $411/mo net cash flow on a $279,900 buy. DSCR 1.81 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $77,331 and $2,578/yr in principal reduction project a total cumulative return of $133,144.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $411 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,280 |
| Total Monthly Debt Service | $1,758 |
| DSCR Ratio | 1.30x |
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 1964
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14624, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,283 (100%) |
| Owner Occupied HU | 12,040 (73.9%) |
| Renter Occupied HU | 3,673 (22.6%) |
| Vacant Housing Units | 570 ( 3.5%) |
| Median Home Value | $205,908 |
| Average Home Value | $256,496 |
Housing Distribution
Address Breakdown
Residential
15,722
Single Family
14,374
Multi-Family
1,348
Businesses
1,480
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 1964
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14624, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,283 (100%) |
| Owner Occupied HU | 12,040 (73.9%) |
| Renter Occupied HU | 3,673 (22.6%) |
| Vacant Housing Units | 570 ( 3.5%) |
| Median Home Value | $205,908 |
| Average Home Value | $256,496 |
Housing Distribution
Address Breakdown
Residential
15,722
Single Family
14,374
Multi-Family
1,348
Businesses
1,480
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices