82 Merriman StRochesterNY14607
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 82 Merriman St, Rochester, NY, 14607 in Rochester deserves attention. This $499,900 property earns $6,290/mo in rent, a 15.1% gross yield, and nets $2,952/mo after the $2,248/mo payment. DSCR 2.80 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $138,113 compounds alongside $4,604/yr in yearly equity build, for a total cumulative return of $380,574.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.1% | 6.2% |
| Monthly Cash Flow | $2,952 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,290 |
| Total Monthly Debt Service | $3,139 |
| DSCR Ratio | 2.00x |
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 1900
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14607, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,899 (100%) |
| Owner Occupied HU | 1,481 (12.4%) |
| Renter Occupied HU | 9,354 (78.6%) |
| Vacant Housing Units | 1,064 ( 8.9%) |
| Median Home Value | $321,158 |
| Average Home Value | $350,883 |
Housing Distribution
Address Breakdown
Residential
9,905
Single Family
5,286
Multi-Family
4,619
Businesses
953
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 1900
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14607, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,899 (100%) |
| Owner Occupied HU | 1,481 (12.4%) |
| Renter Occupied HU | 9,354 (78.6%) |
| Vacant Housing Units | 1,064 ( 8.9%) |
| Median Home Value | $321,158 |
| Average Home Value | $350,883 |
Housing Distribution
Address Breakdown
Residential
9,905
Single Family
5,286
Multi-Family
4,619
Businesses
953
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices