89 Clay AveRochesterNY14613
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe income profile at 89 Clay Ave, Rochester, NY, 14613 in Rochester is straightforward: $144,900 in, $1,453/mo in rent, $485/mo out after debt service. The 12.03% gross yield and 2.23 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $40,033 by year five. With $1,335/yr in principal equity, the total cumulative return is projected at $86,473.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.2% |
| Monthly Cash Flow | $485 | $450 |
City averages based on Rochester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,453 |
| Total Monthly Debt Service | $910 |
| DSCR Ratio | 1.60x |
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 1912
9,339 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14613, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,364 (100%) |
| Owner Occupied HU | 1,812 (28.5%) |
| Renter Occupied HU | 3,855 (60.6%) |
| Vacant Housing Units | 697 (11.0%) |
| Median Home Value | $101,649 |
| Average Home Value | $174,269 |
Housing Distribution
Address Breakdown
Residential
5,171
Single Family
4,693
Multi-Family
478
Businesses
222
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 1912
9,339 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14613, Rochester, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,364 (100%) |
| Owner Occupied HU | 1,812 (28.5%) |
| Renter Occupied HU | 3,855 (60.6%) |
| Vacant Housing Units | 697 (11.0%) |
| Median Home Value | $101,649 |
| Average Home Value | $174,269 |
Housing Distribution
Address Breakdown
Residential
5,171
Single Family
4,693
Multi-Family
478
Businesses
222
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices