338 Vinal AveRochesterNY14609
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 338 Vinal Ave, Rochester, NY, 14609 in Rochester. Priced at $179,900, it generates $2,687/mo in gross rent and $1,485/mo in net monthly cash flow, a 17.92% yield that comfortably supports the 3.32 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $17,826. Five-year appreciation: $49,703. Equity from principal paydown: $1,657/yr. Total projected cumulative return: $164,230.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.9% | 6.2% |
| Monthly Cash Flow | $1,485 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,687 |
| Total Monthly Debt Service | $1,130 |
| DSCR Ratio | 2.38x |
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 1955
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14609, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,305 (100%) |
| Owner Occupied HU | 10,153 (52.6%) |
| Renter Occupied HU | 7,921 (41.0%) |
| Vacant Housing Units | 1,231 ( 6.4%) |
| Median Home Value | $165,149 |
| Average Home Value | $213,857 |
Housing Distribution
Address Breakdown
Residential
18,135
Single Family
16,526
Multi-Family
1,609
Businesses
857
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 1955
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14609, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,305 (100%) |
| Owner Occupied HU | 10,153 (52.6%) |
| Renter Occupied HU | 7,921 (41.0%) |
| Vacant Housing Units | 1,231 ( 6.4%) |
| Median Home Value | $165,149 |
| Average Home Value | $213,857 |
Housing Distribution
Address Breakdown
Residential
18,135
Single Family
16,526
Multi-Family
1,609
Businesses
857
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices