45 Oliver StRochesterNY14607
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow45 Oliver St, Rochester, NY, 14607 in Rochester earns its strong cash-flow label: 18.86% yield, $8,959/mo rent, $5,154/mo net income, DSCR 3.50. The $569,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $157,453 by year five. Combined with $5,249/yr in principal paydown, total projected return reaches $548,916.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.9% | 6.2% |
| Monthly Cash Flow | $5,154 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,959 |
| Total Monthly Debt Service | $3,579 |
| DSCR Ratio | 2.50x |
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 1909
10,402 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 1909
10,402 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