55 Harris AveJamestownNY14701
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Jamestown rental at 55 Harris Ave, Jamestown, NY, 14701 sits in the solid-income band: 9.66% gross yield, $1,200/mo rent, $205/mo net after the $670/mo debt service, DSCR 1.79. Entry price of $149,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $41,166 and $1,372/yr in principal reduction bring total cumulative return to $70,036.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.2% |
| Monthly Cash Flow | $205 | $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 | $1,200 |
| Total Monthly Debt Service | $936 |
| DSCR Ratio | 1.28x |
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 1914
2.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14701, Jamestown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,245 (100%) |
| Owner Occupied HU | 9,270 (48.2%) |
| Renter Occupied HU | 7,532 (39.1%) |
| Vacant Housing Units | 2,443 (12.7%) |
| Median Home Value | $116,171 |
| Average Home Value | $172,681 |
Housing Distribution
Address Breakdown
Residential
16,600
Single Family
15,235
Multi-Family
1,365
Businesses
1,189
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 1914
2.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14701, Jamestown, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,245 (100%) |
| Owner Occupied HU | 9,270 (48.2%) |
| Renter Occupied HU | 7,532 (39.1%) |
| Vacant Housing Units | 2,443 (12.7%) |
| Median Home Value | $116,171 |
| Average Home Value | $172,681 |
Housing Distribution
Address Breakdown
Residential
16,600
Single Family
15,235
Multi-Family
1,365
Businesses
1,189
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices