36 Fay StBroctonNY14716
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 36 Fay St, Brocton, NY, 14716 in Brocton at $149,900 earns $1,152/mo in rent and nets $151/mo after the $674/mo payment, a 9.22% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $41,415 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $1,381/yr in principal paydown, total projected return reaches $66,887.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $151 | $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 | $1,152 |
| Total Monthly Debt Service | $941 |
| DSCR Ratio | 1.22x |
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 1900
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14716, Brocton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,067 (100%) |
| Owner Occupied HU | 725 (67.9%) |
| Renter Occupied HU | 192 (18.0%) |
| Vacant Housing Units | 150 (14.1%) |
| Median Home Value | $157,366 |
| Average Home Value | $218,872 |
Housing Distribution
Address Breakdown
Residential
683
Single Family
640
Multi-Family
43
Businesses
54
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 1900
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14716, Brocton, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,067 (100%) |
| Owner Occupied HU | 725 (67.9%) |
| Renter Occupied HU | 192 (18.0%) |
| Vacant Housing Units | 150 (14.1%) |
| Median Home Value | $157,366 |
| Average Home Value | $218,872 |
Housing Distribution
Address Breakdown
Residential
683
Single Family
640
Multi-Family
43
Businesses
54
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices