46 Pinto RunSpencerportNY14559
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 46 Pinto Run, Spencerport, NY, 14559 in Spencerport offers a clean, manageable entry. Rental yield 6.06%. DSCR 1.12 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $104,959 in additional property value over five years, with $3,499/yr in principal equity building ownership stake. Total projected cumulative return: $105,081.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 6.2% |
| Monthly Cash Flow | $(619) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,918 |
| Total Monthly Debt Service | $2,386 |
| DSCR Ratio | 0.80x |
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 2003
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14559, Spencerport, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,327 (100%) |
| Owner Occupied HU | 5,435 (74.2%) |
| Renter Occupied HU | 1,643 (22.4%) |
| Vacant Housing Units | 249 ( 3.4%) |
| Median Home Value | $284,742 |
| Average Home Value | $316,000 |
Housing Distribution
Address Breakdown
Residential
7,273
Single Family
6,993
Multi-Family
280
Businesses
432
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 2003
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14559, Spencerport, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,327 (100%) |
| Owner Occupied HU | 5,435 (74.2%) |
| Renter Occupied HU | 1,643 (22.4%) |
| Vacant Housing Units | 249 ( 3.4%) |
| Median Home Value | $284,742 |
| Average Home Value | $316,000 |
Housing Distribution
Address Breakdown
Residential
7,273
Single Family
6,993
Multi-Family
280
Businesses
432
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NYSAMLSs
Mls ID: #R1682907