247 Garford RdRochesterNY14622
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 247 Garford Rd, Rochester, NY, 14622 in Rochester speaks for itself: 23.06% gross on a $174,900 price, generating $3,361/mo in rent and $2,193/mo in net income after the $786/mo debt service. DSCR 4.28, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $26,319 stacks alongside $48,322 in projected five-year appreciation and $1,611/yr in principal reduction. Projected total cumulative return: $207,889.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 23.1% | 6.2% |
| Monthly Cash Flow | $2,193 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,361 |
| Total Monthly Debt Service | $1,098 |
| DSCR Ratio | 3.06x |
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 1930
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14622, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,905 (100%) |
| Owner Occupied HU | 4,429 (75.0%) |
| Renter Occupied HU | 1,258 (21.3%) |
| Vacant Housing Units | 218 ( 3.7%) |
| Median Home Value | $179,855 |
| Average Home Value | $256,138 |
Housing Distribution
Address Breakdown
Residential
5,663
Single Family
4,955
Multi-Family
708
Businesses
267
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 1930
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14622, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,905 (100%) |
| Owner Occupied HU | 4,429 (75.0%) |
| Renter Occupied HU | 1,258 (21.3%) |
| Vacant Housing Units | 218 ( 3.7%) |
| Median Home Value | $179,855 |
| Average Home Value | $256,138 |
Housing Distribution
Address Breakdown
Residential
5,663
Single Family
4,955
Multi-Family
708
Businesses
267
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices