3749 Lyell RdRochesterNY14606
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 3749 Lyell Rd, Rochester, NY, 14606 in Rochester. Priced at $199,900, it generates $1,896/mo in gross rent and $561/mo in net monthly cash flow, a 11.38% yield that comfortably supports the 2.11 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,733. Five-year appreciation: $55,229. Equity from principal paydown: $1,841/yr. Total projected cumulative return: $112,346.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 6.2% |
| Monthly Cash Flow | $561 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,896 |
| Total Monthly Debt Service | $1,255 |
| DSCR Ratio | 1.51x |
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 1956
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14606, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,547 (100%) |
| Owner Occupied HU | 6,739 (53.7%) |
| Renter Occupied HU | 5,194 (41.4%) |
| Vacant Housing Units | 614 ( 4.9%) |
| Median Home Value | $161,064 |
| Average Home Value | $189,935 |
Housing Distribution
Address Breakdown
Residential
11,613
Single Family
9,903
Multi-Family
1,710
Businesses
954
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 1956
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14606, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,547 (100%) |
| Owner Occupied HU | 6,739 (53.7%) |
| Renter Occupied HU | 5,194 (41.4%) |
| Vacant Housing Units | 614 ( 4.9%) |
| Median Home Value | $161,064 |
| Average Home Value | $189,935 |
Housing Distribution
Address Breakdown
Residential
11,613
Single Family
9,903
Multi-Family
1,710
Businesses
954
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices