4 Thomas StBuffaloNY14206
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4 Thomas St, Buffalo, NY, 14206 in Buffalo. Priced at $113,200, it generates $1,727/mo in gross rent and $971/mo in net monthly cash flow, a 18.31% yield that comfortably supports the 3.39 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $11,650. Five-year appreciation: $31,275. Equity from principal paydown: $1,043/yr. Total projected cumulative return: $105,704.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.3% | 6.5% |
| Monthly Cash Flow | $971 | $450 |
City averages based on Buffalo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,727 |
| Total Monthly Debt Service | $711 |
| DSCR Ratio | 2.43x |
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 1870
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14206, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,906 (100%) |
| Owner Occupied HU | 5,227 (47.9%) |
| Renter Occupied HU | 4,261 (39.1%) |
| Vacant Housing Units | 1,418 (13.0%) |
| Median Home Value | $118,167 |
| Average Home Value | $203,335 |
Housing Distribution
Address Breakdown
Residential
8,536
Single Family
8,334
Multi-Family
202
Businesses
607
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 1870
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14206, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,906 (100%) |
| Owner Occupied HU | 5,227 (47.9%) |
| Renter Occupied HU | 4,261 (39.1%) |
| Vacant Housing Units | 1,418 (13.0%) |
| Median Home Value | $118,167 |
| Average Home Value | $203,335 |
Housing Distribution
Address Breakdown
Residential
8,536
Single Family
8,334
Multi-Family
202
Businesses
607
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices