223 Harding RdWilliamsvilleNY14221
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 223 Harding Rd, Williamsville, NY, 14221 in Williamsville worth modelling. At $215,000 with a 8.51% gross yield, the $1,525/mo rent leaves $89/mo after the $967/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.58 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $59,401 by year five; $1,980/yr in principal reduction adds further equity. Total projected return: $87,736.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $89 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,525 |
| Total Monthly Debt Service | $1,350 |
| DSCR Ratio | 1.13x |
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 1935
9,234 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14221, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,108 (100%) |
| Owner Occupied HU | 17,359 (69.1%) |
| Renter Occupied HU | 6,235 (24.8%) |
| Vacant Housing Units | 1,514 ( 6.0%) |
| Median Home Value | $342,209 |
| Average Home Value | $378,674 |
Housing Distribution
Address Breakdown
Residential
24,019
Single Family
19,051
Multi-Family
4,968
Businesses
2,271
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 1935
9,234 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14221, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,108 (100%) |
| Owner Occupied HU | 17,359 (69.1%) |
| Renter Occupied HU | 6,235 (24.8%) |
| Vacant Housing Units | 1,514 ( 6.0%) |
| Median Home Value | $342,209 |
| Average Home Value | $378,674 |
Housing Distribution
Address Breakdown
Residential
24,019
Single Family
19,051
Multi-Family
4,968
Businesses
2,271
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NYSAMLSs
Mls ID: #B1670715