4175 Lockport RdLockportNY14094
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 4175 Lockport Rd, Lockport, NY, 14094 in Lockport deserves attention. This $244,000 property earns $2,268/mo in rent, a 11.15% gross yield, and nets $639/mo after the $1,097/mo payment. DSCR 2.07 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $67,413 compounds alongside $2,247/yr in yearly equity build, for a total cumulative return of $134,159.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 10.0% |
| Monthly Cash Flow | $639 | $300 |
City averages based on Lockport market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,268 |
| Total Monthly Debt Service | $1,532 |
| DSCR Ratio | 1.48x |
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 1957
0.51 Acres 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
Single Family
Built in 1957
0.51 Acres 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