39 Hill StBuffaloNY14214
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 39 Hill St, Buffalo, NY, 14214 in Buffalo at $159,900 earns $1,082/mo in rent and nets $14/mo after the $719/mo payment, a 8.12% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $44,177 over five years. Ziffy Mortgage underwrites this on a 1.50 DSCR without U.S. credit history. With $1,473/yr in principal paydown, total projected return reaches $61,903.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.5% |
| Monthly Cash Flow | $14 | $450 |
City averages based on Buffalo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,082 |
| Total Monthly Debt Service | $1,004 |
| DSCR Ratio | 1.08x |
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.
Multi Family
Built in 1930
3,898 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14214, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,689 (100%) |
| Owner Occupied HU | 3,923 (36.7%) |
| Renter Occupied HU | 5,496 (51.4%) |
| Vacant Housing Units | 1,270 (11.9%) |
| Median Home Value | $291,031 |
| Average Home Value | $317,434 |
Housing Distribution
Address Breakdown
Residential
7,531
Single Family
6,254
Multi-Family
1,277
Businesses
451
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
Multi Family
Built in 1930
3,898 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14214, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,689 (100%) |
| Owner Occupied HU | 3,923 (36.7%) |
| Renter Occupied HU | 5,496 (51.4%) |
| Vacant Housing Units | 1,270 (11.9%) |
| Median Home Value | $291,031 |
| Average Home Value | $317,434 |
Housing Distribution
Address Breakdown
Residential
7,531
Single Family
6,254
Multi-Family
1,277
Businesses
451
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices