399 Knottypine DrLockportNY14094
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Lockport rentals match the income profile of 399 Knottypine Dr, Lockport, NY, 14094. Listed at $131,900, gross rent is $5,400/mo and net cash flow is $4,519/mo, a 49.13% yield well above national averages. DSCR 9.11 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $36,442 by year five with $1,215/yr in annual principal reduction, projecting $341,129 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 49.1% | 10.0% |
| Monthly Cash Flow | $4,519 | $300 |
City averages based on Lockport market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,400 |
| Total Monthly Debt Service | $828 |
| DSCR Ratio | 6.52x |
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.
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14094, Lockport, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,060 (100%) |
| Owner Occupied HU | 14,886 (64.6%) |
| Renter Occupied HU | 6,623 (28.7%) |
| Vacant Housing Units | 1,551 ( 6.7%) |
| Median Home Value | $208,867 |
| Average Home Value | $254,894 |
Housing Distribution
Address Breakdown
Residential
22,304
Single Family
18,394
Multi-Family
3,910
Businesses
1,178
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
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14094, Lockport, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,060 (100%) |
| Owner Occupied HU | 14,886 (64.6%) |
| Renter Occupied HU | 6,623 (28.7%) |
| Vacant Housing Units | 1,551 ( 6.7%) |
| Median Home Value | $208,867 |
| Average Home Value | $254,894 |
Housing Distribution
Address Breakdown
Residential
22,304
Single Family
18,394
Multi-Family
3,910
Businesses
1,178
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
