95 Medina StCheektowagaNY14206
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 95 Medina St, Cheektowaga, NY, 14206 in Cheektowaga. Priced at $189,900, it generates $2,693/mo in gross rent and $1,425/mo in net monthly cash flow, a 17.02% yield that comfortably supports the 3.15 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $17,096. Five-year appreciation: $52,466. Equity from principal paydown: $1,749/yr. Total projected cumulative return: $164,130.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17% | 6.8% |
| Monthly Cash Flow | $1,425 | $850 |
City averages based on Cheektowaga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,693 |
| Total Monthly Debt Service | $1,193 |
| DSCR Ratio | 2.26x |
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 1955
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14206, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,906 (100%) |
| Owner Occupied HU | 5,227 (47.9%) |
| Renter Occupied HU | 4,261 (39.1%) |
| Vacant Housing Units | 1,418 (13.0%) |
| Median Home Value | $118,167 |
| Average Home Value | $203,335 |
Housing Distribution
Address Breakdown
Residential
8,536
Single Family
8,334
Multi-Family
202
Businesses
607
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 1955
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14206, Buffalo, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,906 (100%) |
| Owner Occupied HU | 5,227 (47.9%) |
| Renter Occupied HU | 4,261 (39.1%) |
| Vacant Housing Units | 1,418 (13.0%) |
| Median Home Value | $118,167 |
| Average Home Value | $203,335 |
Housing Distribution
Address Breakdown
Residential
8,536
Single Family
8,334
Multi-Family
202
Businesses
607
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices