21 Manitou StRochesterNY14621
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 21 Manitou St, Rochester, NY, 14621 in Rochester at $112,900 earns $903/mo in rent and nets $149/mo after the $508/mo payment, a 9.6% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $31,192 over five years. Ziffy Mortgage underwrites this on a 1.78 DSCR without U.S. credit history. With $1,040/yr in principal paydown, total projected return reaches $52,637.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $149 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $903 |
| Total Monthly Debt Service | $709 |
| DSCR Ratio | 1.27x |
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
3,345 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14621, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,868 (100%) |
| Owner Occupied HU | 3,852 (27.8%) |
| Renter Occupied HU | 8,695 (62.7%) |
| Vacant Housing Units | 1,321 ( 9.5%) |
| Median Home Value | $86,838 |
| Average Home Value | $175,161 |
Housing Distribution
Address Breakdown
Residential
12,739
Single Family
9,367
Multi-Family
3,372
Businesses
719
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
3,345 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14621, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,868 (100%) |
| Owner Occupied HU | 3,852 (27.8%) |
| Renter Occupied HU | 8,695 (62.7%) |
| Vacant Housing Units | 1,321 ( 9.5%) |
| Median Home Value | $86,838 |
| Average Home Value | $175,161 |
Housing Distribution
Address Breakdown
Residential
12,739
Single Family
9,367
Multi-Family
3,372
Businesses
719
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices