800 W Ferry St APT 3BBBuffaloNY14222
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe cash-flow margin at 800 W Ferry St APT 3BB, Buffalo, NY, 14222 in Buffalo is narrow, $32/mo net on $2,236/mo rent after the $961/mo debt service, but the property operates at break-even-plus, not a loss. At $213,700 with a 12.55% yield, the long-run equity case via 5% appreciation ($59,041 over five years) and $1,968/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 2.33 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $86,914.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 6.5% |
| Monthly Cash Flow | $32 | $450 |
City averages based on Buffalo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,236 |
| Total Monthly Debt Service | $2,119 |
| DSCR Ratio | 1.06x |
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.
Townhouse
Built in 1980
871 sqft lot
$N/A/sqft
$777 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14222, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,155 (100%) |
| Owner Occupied HU | 2,328 (28.5%) |
| Renter Occupied HU | 5,019 (61.5%) |
| Vacant Housing Units | 808 ( 9.9%) |
| Median Home Value | $475,544 |
| Average Home Value | $513,244 |
Housing Distribution
Address Breakdown
Residential
6,560
Single Family
4,246
Multi-Family
2,314
Businesses
326
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
Townhouse
Built in 1980
871 sqft lot
$N/A/sqft
$777 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14222, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,155 (100%) |
| Owner Occupied HU | 2,328 (28.5%) |
| Renter Occupied HU | 5,019 (61.5%) |
| Vacant Housing Units | 808 ( 9.9%) |
| Median Home Value | $475,544 |
| Average Home Value | $513,244 |
Housing Distribution
Address Breakdown
Residential
6,560
Single Family
4,246
Multi-Family
2,314
Businesses
326
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices