999 Route 5 #20Silver CreekNY14136
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 999 Route 5 #20, Silver Creek, NY, 14136 in Silver Creek is listed at $150,000 and delivers $1,434/mo in rent and $432/mo in net monthly cash flow. The 11.47% yield and 2.13 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $41,442 over five years, and $1,382/yr in principal reduction supplements cash return. Total projected cumulative return: $85,076.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.2% |
| Monthly Cash Flow | $432 | $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 | $1,434 |
| Total Monthly Debt Service | $942 |
| DSCR Ratio | 1.52x |
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 1876
10.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14136, Silver Creek, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,477 (100%) |
| Owner Occupied HU | 1,653 (66.7%) |
| Renter Occupied HU | 455 (18.4%) |
| Vacant Housing Units | 369 (14.9%) |
| Median Home Value | $158,902 |
| Average Home Value | $190,555 |
Housing Distribution
Address Breakdown
Residential
2,197
Single Family
2,147
Multi-Family
50
Businesses
138
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 1876
10.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 14136, Silver Creek, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,477 (100%) |
| Owner Occupied HU | 1,653 (66.7%) |
| Renter Occupied HU | 455 (18.4%) |
| Vacant Housing Units | 369 (14.9%) |
| Median Home Value | $158,902 |
| Average Home Value | $190,555 |
Housing Distribution
Address Breakdown
Residential
2,197
Single Family
2,147
Multi-Family
50
Businesses
138
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices