796 Bear RdCowlesvilleNY14037
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 796 Bear Rd, Cowlesville, NY, 14037 in Cowlesville. Rental yield 7.32%. The 1.36 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $103,329 and $3,445/yr in principal reduction project total return of $128,644.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $(218) | $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 | $2,280 |
| Total Monthly Debt Service | $2,349 |
| DSCR Ratio | 0.97x |
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 1890
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14037, Cowlesville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 543 (100%) |
| Owner Occupied HU | 453 (83.4%) |
| Renter Occupied HU | 58 (10.7%) |
| Vacant Housing Units | 32 ( 5.9%) |
| Median Home Value | $275,543 |
| Average Home Value | $346,457 |
Housing Distribution
Address Breakdown
Residential
491
Single Family
491
Multi-Family
0
Businesses
10
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 1890
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14037, Cowlesville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 543 (100%) |
| Owner Occupied HU | 453 (83.4%) |
| Renter Occupied HU | 58 (10.7%) |
| Vacant Housing Units | 32 ( 5.9%) |
| Median Home Value | $275,543 |
| Average Home Value | $346,457 |
Housing Distribution
Address Breakdown
Residential
491
Single Family
491
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle McCulloch • WNY Metro Roberts Realty
Mls Name: NYSAMLSs
Mls ID: #B1615209