3054 Niagara StNiagara FallsNY14303
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow3054 Niagara St, Niagara Falls, NY, 14303 in Niagara Falls earns its strong cash-flow label: 29.59% yield, $3,254/mo rent, $2,373/mo net income, DSCR 5.48. The $132,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $36,469 by year five. Combined with $1,216/yr in principal paydown, total projected return reaches $203,005.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 29.6% | 8.0% |
| Monthly Cash Flow | $2,373 | $1,500 |
City averages based on Niagara Falls market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,254 |
| Total Monthly Debt Service | $829 |
| DSCR Ratio | 3.93x |
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 1957
3,301 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14303, Niagara Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,649 (100%) |
| Owner Occupied HU | 1,183 (32.4%) |
| Renter Occupied HU | 1,647 (45.1%) |
| Vacant Housing Units | 819 (22.4%) |
| Median Home Value | $81,815 |
| Average Home Value | $137,109 |
Housing Distribution
Address Breakdown
Residential
2,363
Single Family
2,090
Multi-Family
273
Businesses
226
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 1957
3,301 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14303, Niagara Falls, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,649 (100%) |
| Owner Occupied HU | 1,183 (32.4%) |
| Renter Occupied HU | 1,647 (45.1%) |
| Vacant Housing Units | 819 (22.4%) |
| Median Home Value | $81,815 |
| Average Home Value | $137,109 |
Housing Distribution
Address Breakdown
Residential
2,363
Single Family
2,090
Multi-Family
273
Businesses
226
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices