6870 Clinton StElmaNY14059
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 6870 Clinton St, Elma, NY, 14059 in Elma earns a 9.83% gross yield at $259,900. Rent of $2,130/mo nets $394/mo after the $1,169/mo mortgage. The 1.82 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $71,806 and $2,394/yr in equity accumulation project a total cumulative return of $124,500.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $394 | $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 | $2,130 |
| Total Monthly Debt Service | $1,632 |
| DSCR Ratio | 1.31x |
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 1958
1.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14059, Elma, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,097 (100%) |
| Owner Occupied HU | 3,420 (83.5%) |
| Renter Occupied HU | 469 (11.4%) |
| Vacant Housing Units | 208 ( 5.1%) |
| Median Home Value | $408,712 |
| Average Home Value | $462,518 |
Housing Distribution
Address Breakdown
Residential
3,883
Single Family
3,763
Multi-Family
120
Businesses
338
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 1958
1.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14059, Elma, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,097 (100%) |
| Owner Occupied HU | 3,420 (83.5%) |
| Renter Occupied HU | 469 (11.4%) |
| Vacant Housing Units | 208 ( 5.1%) |
| Median Home Value | $408,712 |
| Average Home Value | $462,518 |
Housing Distribution
Address Breakdown
Residential
3,883
Single Family
3,763
Multi-Family
120
Businesses
338
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices