454 Colvin AveBuffaloNY14216
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 454 Colvin Ave, Buffalo, NY, 14216 in Buffalo is narrow, $40/mo net on $2,042/mo rent after the $1,422/mo debt service, but the property operates at break-even-plus, not a loss. At $299,900 with a 8.17% yield, the long-run equity case via 5% appreciation ($82,857 over five years) and $2,514/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.44 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $111,255.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.5% |
| Monthly Cash Flow | $40 | $450 |
City averages based on Buffalo market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,042 |
| Total Monthly Debt Service | $1,956 |
| DSCR Ratio | 1.04x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in 1923
5,248 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14216, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,091 (100%) |
| Owner Occupied HU | 4,982 (41.2%) |
| Renter Occupied HU | 6,120 (50.6%) |
| Vacant Housing Units | 989 ( 8.2%) |
| Median Home Value | $299,939 |
| Average Home Value | $348,401 |
Housing Distribution
Address Breakdown
Residential
10,187
Single Family
8,802
Multi-Family
1,385
Businesses
554
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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
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