92 Coolidge AveSpencerportNY14559
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 92 Coolidge Ave, Spencerport, NY, 14559 in Spencerport speaks for itself: 14.35% gross on a $189,900 price, generating $2,270/mo in rent and $1,002/mo in net income after the $854/mo debt service. DSCR 2.66, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $12,027 stacks alongside $52,466 in projected five-year appreciation and $1,749/yr in principal reduction. Projected total cumulative return: $136,914.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 14.4% | 6.2% |
| Monthly Cash Flow | $1,002 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,270 |
| Total Monthly Debt Service | $1,193 |
| DSCR Ratio | 1.90x |
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 1950
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14559, Spencerport, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,327 (100%) |
| Owner Occupied HU | 5,435 (74.2%) |
| Renter Occupied HU | 1,643 (22.4%) |
| Vacant Housing Units | 249 ( 3.4%) |
| Median Home Value | $284,742 |
| Average Home Value | $316,000 |
Housing Distribution
Address Breakdown
Residential
7,273
Single Family
6,993
Multi-Family
280
Businesses
432
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 1950
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14559, Spencerport, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,327 (100%) |
| Owner Occupied HU | 5,435 (74.2%) |
| Renter Occupied HU | 1,643 (22.4%) |
| Vacant Housing Units | 249 ( 3.4%) |
| Median Home Value | $284,742 |
| Average Home Value | $316,000 |
Housing Distribution
Address Breakdown
Residential
7,273
Single Family
6,993
Multi-Family
280
Businesses
432
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jenalee M Herb • Howard Hanna
Mls Name: NYSAMLSs
Mls ID: #R1636882