22 5th StRochesterNY14605
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow22 5th St, Rochester, NY, 14605 in Rochester is a solid income-producing rental, 10.83% gross yield, $1,082/mo rent, $282/mo net cash flow on a $119,900 buy. DSCR 2.01 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $33,126 and $1,104/yr in principal reduction project a total cumulative return of $63,888.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $282 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,082 |
| Total Monthly Debt Service | $753 |
| DSCR Ratio | 1.44x |
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.
Multi Family
Built in 1920
4,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14605, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,523 (100%) |
| Owner Occupied HU | 881 (16.0%) |
| Renter Occupied HU | 4,067 (73.6%) |
| Vacant Housing Units | 575 (10.4%) |
| Median Home Value | $69,694 |
| Average Home Value | $157,166 |
Housing Distribution
Address Breakdown
Residential
4,432
Single Family
3,664
Multi-Family
768
Businesses
342
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
Multi Family
Built in 1920
4,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14605, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,523 (100%) |
| Owner Occupied HU | 881 (16.0%) |
| Renter Occupied HU | 4,067 (73.6%) |
| Vacant Housing Units | 575 (10.4%) |
| Median Home Value | $69,694 |
| Average Home Value | $157,166 |
Housing Distribution
Address Breakdown
Residential
4,432
Single Family
3,664
Multi-Family
768
Businesses
342
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices