9905 Rock Springs RdWest ValleyNY14171
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 9905 Rock Springs Rd, West Valley, NY, 14171 in West Valley. Rental yield 1.34%. At $1,200,000 with 1.34% gross yield, current distributions are modest, but the 5% appreciation rate projects $331,538 in new equity by year five, complemented by $11,052/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.25) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $27,857.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.3% | 6.2% |
| Monthly Cash Flow | $(6,678) | $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 | $1,336 |
| Total Monthly Debt Service | $7,536 |
| DSCR Ratio | 0.18x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1920
82.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14171, West Valley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,001 (100%) |
| Owner Occupied HU | 657 (65.6%) |
| Renter Occupied HU | 114 (11.4%) |
| Vacant Housing Units | 230 (23.0%) |
| Median Home Value | $204,272 |
| Average Home Value | $235,731 |
Housing Distribution
Address Breakdown
Residential
816
Single Family
816
Multi-Family
0
Businesses
33
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 1920
82.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14171, West Valley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,001 (100%) |
| Owner Occupied HU | 657 (65.6%) |
| Renter Occupied HU | 114 (11.4%) |
| Vacant Housing Units | 230 (23.0%) |
| Median Home Value | $204,272 |
| Average Home Value | $235,731 |
Housing Distribution
Address Breakdown
Residential
816
Single Family
816
Multi-Family
0
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NYSAMLSs
Mls Provider:
Mls ID: #B1707345