964 Portville Olean RdPortvilleNY14770
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 964 Portville Olean Rd, Portville, NY, 14770 in Portville. Priced at $159,000, it generates $1,825/mo in gross rent and $763/mo in net monthly cash flow, a 13.78% yield that comfortably supports the 2.55 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,161. Five-year appreciation: $43,929. Equity from principal paydown: $1,464/yr. Total projected cumulative return: $109,763.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.8% | 6.2% |
| Monthly Cash Flow | $763 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,825 |
| Total Monthly Debt Service | $999 |
| DSCR Ratio | 1.83x |
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 1871
1.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14770, Portville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,307 (100%) |
| Owner Occupied HU | 938 (71.8%) |
| Renter Occupied HU | 243 (18.6%) |
| Vacant Housing Units | 126 ( 9.6%) |
| Median Home Value | $119,318 |
| Average Home Value | $134,781 |
Housing Distribution
Address Breakdown
Residential
986
Single Family
938
Multi-Family
48
Businesses
80
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 1871
1.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14770, Portville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,307 (100%) |
| Owner Occupied HU | 938 (71.8%) |
| Renter Occupied HU | 243 (18.6%) |
| Vacant Housing Units | 126 ( 9.6%) |
| Median Home Value | $119,318 |
| Average Home Value | $134,781 |
Housing Distribution
Address Breakdown
Residential
986
Single Family
938
Multi-Family
48
Businesses
80
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices