38 Farm Field LnPittsfordNY14534
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 38 Farm Field Ln, Pittsford, NY, 14534 in Pittsford earns a 8.64% gross yield at $649,900. Rent of $4,680/mo nets $340/mo after the $2,922/mo mortgage. The 1.60 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $179,555 and $5,986/yr in equity accumulation project a total cumulative return of $269,762.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $340 | $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 | $4,680 |
| Total Monthly Debt Service | $4,081 |
| DSCR Ratio | 1.15x |
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 1990
0.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14534, Pittsford, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,176 (100%) |
| Owner Occupied HU | 11,138 (84.5%) |
| Renter Occupied HU | 1,486 (11.3%) |
| Vacant Housing Units | 552 ( 4.2%) |
| Median Home Value | $366,159 |
| Average Home Value | $406,258 |
Housing Distribution
Address Breakdown
Residential
12,790
Single Family
12,026
Multi-Family
764
Businesses
993
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 1990
0.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14534, Pittsford, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,176 (100%) |
| Owner Occupied HU | 11,138 (84.5%) |
| Renter Occupied HU | 1,486 (11.3%) |
| Vacant Housing Units | 552 ( 4.2%) |
| Median Home Value | $366,159 |
| Average Home Value | $406,258 |
Housing Distribution
Address Breakdown
Residential
12,790
Single Family
12,026
Multi-Family
764
Businesses
993
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices