30 Emjay LnRochesterNY14612
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 30 Emjay Ln, Rochester, NY, 14612 in Rochester hard to pass up. The 11.92% gross yield on a $289,000 purchase results in $2,870/mo in rent and $940/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.21). Annual cash flow of $11,281, five-year appreciation of $79,845, and $2,662/yr in equity build-up combine for a projected total cumulative return of $170,668.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.2% |
| Monthly Cash Flow | $940 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,870 |
| Total Monthly Debt Service | $1,815 |
| DSCR Ratio | 1.58x |
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 1985
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14612, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,161 (100%) |
| Owner Occupied HU | 10,409 (64.4%) |
| Renter Occupied HU | 5,076 (31.4%) |
| Vacant Housing Units | 676 ( 4.2%) |
| Median Home Value | $216,649 |
| Average Home Value | $258,850 |
Housing Distribution
Address Breakdown
Residential
15,798
Single Family
13,142
Multi-Family
2,656
Businesses
437
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 1985
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14612, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,161 (100%) |
| Owner Occupied HU | 10,409 (64.4%) |
| Renter Occupied HU | 5,076 (31.4%) |
| Vacant Housing Units | 676 ( 4.2%) |
| Median Home Value | $216,649 |
| Average Home Value | $258,850 |
Housing Distribution
Address Breakdown
Residential
15,798
Single Family
13,142
Multi-Family
2,656
Businesses
437
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices