47 Pembroke StRochesterNY14620
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 47 Pembroke St, Rochester, NY, 14620 in Rochester deserves attention. This $252,000 property earns $2,300/mo in rent, a 10.95% gross yield, and nets $618/mo after the $1,133/mo payment. DSCR 2.03 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $69,623 compounds alongside $2,321/yr in yearly equity build, for a total cumulative return of $135,838.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.2% |
| Monthly Cash Flow | $618 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,300 |
| Total Monthly Debt Service | $1,583 |
| DSCR Ratio | 1.45x |
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 1910
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14620, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,900 (100%) |
| Owner Occupied HU | 3,497 (27.1%) |
| Renter Occupied HU | 8,542 (66.2%) |
| Vacant Housing Units | 861 ( 6.7%) |
| Median Home Value | $234,627 |
| Average Home Value | $318,292 |
Housing Distribution
Address Breakdown
Residential
12,036
Single Family
8,162
Multi-Family
3,874
Businesses
573
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 1910
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14620, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,900 (100%) |
| Owner Occupied HU | 3,497 (27.1%) |
| Renter Occupied HU | 8,542 (66.2%) |
| Vacant Housing Units | 861 ( 6.7%) |
| Median Home Value | $234,627 |
| Average Home Value | $318,292 |
Housing Distribution
Address Breakdown
Residential
12,036
Single Family
8,162
Multi-Family
3,874
Businesses
573
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices