55 Pendleton HlRochesterNY14618
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 55 Pendleton Hl, Rochester, NY, 14618 in Rochester worth study. Rental yield 3.34%. The 3.34% gross yield is below cash-flow benchmarks at $1,349,900, but 5% annual appreciation, adding $372,952 over five years, frames this as a capital growth position. Rent of $3,760/mo partially offsets the $6,070/mo payment. Ziffy Mortgage finances appreciation-play properties (0.62 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $152,260.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 6.2% |
| Monthly Cash Flow | $(5,660) | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,760 |
| Total Monthly Debt Service | $8,883 |
| DSCR Ratio | 0.42x |
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 2025
0.37 Acres lot
$N/A/sqft
$406 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14618, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,206 (100%) |
| Owner Occupied HU | 6,368 (69.2%) |
| Renter Occupied HU | 2,407 (26.1%) |
| Vacant Housing Units | 431 ( 4.7%) |
| Median Home Value | $325,327 |
| Average Home Value | $373,315 |
Housing Distribution
Address Breakdown
Residential
9,086
Single Family
7,462
Multi-Family
1,624
Businesses
1,149
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 2025
0.37 Acres lot
$N/A/sqft
$406 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14618, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,206 (100%) |
| Owner Occupied HU | 6,368 (69.2%) |
| Renter Occupied HU | 2,407 (26.1%) |
| Vacant Housing Units | 431 ( 4.7%) |
| Median Home Value | $325,327 |
| Average Home Value | $373,315 |
Housing Distribution
Address Breakdown
Residential
9,086
Single Family
7,462
Multi-Family
1,624
Businesses
1,149
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Andrea M. Noto-Siderakis • Keller Williams Realty Greater Rochester
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #R1601697
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