30 Charter Oaks Dr APT 4BuffaloNY14228
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 30 Charter Oaks Dr APT 4, Buffalo, NY, 14228 in Buffalo clears it at 1.74, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 9.37%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $42,796; $1,427/yr in principal equity; total projected return: $45,633.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.5% |
| Monthly Cash Flow | $(236) | $450 |
City averages based on Buffalo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,210 |
| Total Monthly Debt Service | $1,385 |
| DSCR Ratio | 0.87x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Condo
Built in 1971
871.20 sqft lot
$N/A/sqft
$412 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14228, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,085 (100%) |
| Owner Occupied HU | 4,665 (42.1%) |
| Renter Occupied HU | 5,604 (50.6%) |
| Vacant Housing Units | 816 ( 7.4%) |
| Median Home Value | $293,883 |
| Average Home Value | $351,771 |
Housing Distribution
Address Breakdown
Residential
10,612
Single Family
7,393
Multi-Family
3,219
Businesses
727
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
Condo
Built in 1971
871.20 sqft lot
$N/A/sqft
$412 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14228, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,085 (100%) |
| Owner Occupied HU | 4,665 (42.1%) |
| Renter Occupied HU | 5,604 (50.6%) |
| Vacant Housing Units | 816 ( 7.4%) |
| Median Home Value | $293,883 |
| Average Home Value | $351,771 |
Housing Distribution
Address Breakdown
Residential
10,612
Single Family
7,393
Multi-Family
3,219
Businesses
727
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sharon L Ciminelli • MJ Peterson Real Estate Inc.
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #B1637208
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