4021 State StBuffaloNY14219
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingInvestors approaching the U.S. market with capital-preservation in mind will find 4021 State St, Buffalo, NY, 14219 in Buffalo aligned with their strategy. Rental yield 6.93%. DSCR 1.28 and 6.93% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $3,269/yr in paydown build toward a projected cumulative return of $114,656.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.5% |
| Monthly Cash Flow | $(322) | $450 |
City averages based on Buffalo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,048 |
| Total Monthly Debt Service | $2,229 |
| DSCR Ratio | 0.92x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1942
0.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14219, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,769 (100%) |
| Owner Occupied HU | 3,323 (57.6%) |
| Renter Occupied HU | 2,098 (36.4%) |
| Vacant Housing Units | 348 ( 6.0%) |
| Median Home Value | $208,872 |
| Average Home Value | $246,858 |
Housing Distribution
Address Breakdown
Residential
5,183
Single Family
4,524
Multi-Family
659
Businesses
448
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 1942
0.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14219, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,769 (100%) |
| Owner Occupied HU | 3,323 (57.6%) |
| Renter Occupied HU | 2,098 (36.4%) |
| Vacant Housing Units | 348 ( 6.0%) |
| Median Home Value | $208,872 |
| Average Home Value | $246,858 |
Housing Distribution
Address Breakdown
Residential
5,183
Single Family
4,524
Multi-Family
659
Businesses
448
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices