86 Guernsey StBuffaloNY14207
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 86 Guernsey St, Buffalo, NY, 14207 in Buffalo hard to pass up. The 12.36% gross yield on a $142,500 purchase results in $1,468/mo in rent and $516/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.29). Annual cash flow of $6,197, five-year appreciation of $39,370, and $1,312/yr in equity build-up combine for a projected total cumulative return of $87,569.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 6.5% |
| Monthly Cash Flow | $516 | $450 |
City averages based on Buffalo market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,468 |
| Total Monthly Debt Service | $895 |
| DSCR Ratio | 1.64x |
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.
Multi Family
Built in 1915
2,626 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14207, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,815 (100%) |
| Owner Occupied HU | 3,608 (30.5%) |
| Renter Occupied HU | 6,699 (56.7%) |
| Vacant Housing Units | 1,508 (12.8%) |
| Median Home Value | $108,015 |
| Average Home Value | $205,026 |
Housing Distribution
Address Breakdown
Residential
9,093
Single Family
8,091
Multi-Family
1,002
Businesses
855
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
Multi Family
Built in 1915
2,626 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14207, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,815 (100%) |
| Owner Occupied HU | 3,608 (30.5%) |
| Renter Occupied HU | 6,699 (56.7%) |
| Vacant Housing Units | 1,508 (12.8%) |
| Median Home Value | $108,015 |
| Average Home Value | $205,026 |
Housing Distribution
Address Breakdown
Residential
9,093
Single Family
8,091
Multi-Family
1,002
Businesses
855
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices