26 Minard StFillmoreNY14735
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.19% yield at 26 Minard St, Fillmore, NY, 14735 in Fillmore is solid, but the $853/mo payment compresses net cash flow to $177/mo at $179,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $49,703 by year five, and $1,508/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.62) without U.S. income documentation. Total projected return: $76,611.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $177 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,378 |
| Total Monthly Debt Service | $1,174 |
| DSCR Ratio | 1.17x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1900
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14735, Fillmore, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,382 (100%) |
| Owner Occupied HU | 815 (59.0%) |
| Renter Occupied HU | 227 (16.4%) |
| Vacant Housing Units | 340 (24.6%) |
| Median Home Value | $135,372 |
| Average Home Value | $185,509 |
Housing Distribution
Address Breakdown
Residential
862
Single Family
839
Multi-Family
23
Businesses
51
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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
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