5349 N Point DrGeneseoNY14454
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 5349 N Point Dr, Geneseo, NY, 14454 in Geneseo at $495,000, 5.49% gross yield, is a market-growth asset. Rental yield 5.49%. The $2,264/mo rent partially funds the $2,226/mo debt service; the core return is the 5%/yr price growth projected to add $136,759 over five years. Ziffy Mortgage's DSCR mortgage (1.02) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $121,745.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.2% |
| Monthly Cash Flow | $(1,041) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,264 |
| Total Monthly Debt Service | $3,109 |
| DSCR Ratio | 0.73x |
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 1935
1,864 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14454, Geneseo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,937 (100%) |
| Owner Occupied HU | 1,802 (45.8%) |
| Renter Occupied HU | 1,561 (39.6%) |
| Vacant Housing Units | 574 (14.6%) |
| Median Home Value | $236,513 |
| Average Home Value | $284,529 |
Housing Distribution
Address Breakdown
Residential
3,304
Single Family
2,634
Multi-Family
670
Businesses
390
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 1935
1,864 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14454, Geneseo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,937 (100%) |
| Owner Occupied HU | 1,802 (45.8%) |
| Renter Occupied HU | 1,561 (39.6%) |
| Vacant Housing Units | 574 (14.6%) |
| Median Home Value | $236,513 |
| Average Home Value | $284,529 |
Housing Distribution
Address Breakdown
Residential
3,304
Single Family
2,634
Multi-Family
670
Businesses
390
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices