810 Stone RdRochesterNY14616
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.01% yield at 810 Stone Rd, Rochester, NY, 14616 in Rochester is solid, but the $786/mo payment compresses net cash flow to $145/mo at $174,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $48,322 by year five, and $1,611/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.67) without U.S. income documentation. Total projected return: $76,117.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $145 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,313 |
| Total Monthly Debt Service | $1,098 |
| DSCR Ratio | 1.20x |
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 1925
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14616, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,678 (100%) |
| Owner Occupied HU | 8,222 (64.9%) |
| Renter Occupied HU | 3,876 (30.6%) |
| Vacant Housing Units | 580 ( 4.6%) |
| Median Home Value | $157,110 |
| Average Home Value | $201,258 |
Housing Distribution
Address Breakdown
Residential
12,359
Single Family
10,539
Multi-Family
1,820
Businesses
404
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 1925
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14616, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,678 (100%) |
| Owner Occupied HU | 8,222 (64.9%) |
| Renter Occupied HU | 3,876 (30.6%) |
| Vacant Housing Units | 580 ( 4.6%) |
| Median Home Value | $157,110 |
| Average Home Value | $201,258 |
Housing Distribution
Address Breakdown
Residential
12,359
Single Family
10,539
Multi-Family
1,820
Businesses
404
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices