43 Amherst StRochesterNY14607
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $304,900, 43 Amherst St, Rochester, NY, 14607 in Rochester generates $2,190/mo in rent (8.62% yield) but nets only $154/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.60) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $84,238. Total projected return: $126,209.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $154 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,190 |
| Total Monthly Debt Service | $1,915 |
| DSCR Ratio | 1.14x |
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 1890
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14607, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,899 (100%) |
| Owner Occupied HU | 1,481 (12.4%) |
| Renter Occupied HU | 9,354 (78.6%) |
| Vacant Housing Units | 1,064 ( 8.9%) |
| Median Home Value | $321,158 |
| Average Home Value | $350,883 |
Housing Distribution
Address Breakdown
Residential
9,905
Single Family
5,286
Multi-Family
4,619
Businesses
953
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 1890
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14607, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,899 (100%) |
| Owner Occupied HU | 1,481 (12.4%) |
| Renter Occupied HU | 9,354 (78.6%) |
| Vacant Housing Units | 1,064 ( 8.9%) |
| Median Home Value | $321,158 |
| Average Home Value | $350,883 |
Housing Distribution
Address Breakdown
Residential
9,905
Single Family
5,286
Multi-Family
4,619
Businesses
953
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices