127 Cherry AvenueWest SayvilleNY11796
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing127 Cherry Avenue, West Sayville, NY, 11796 in West Sayville is a stable, well-positioned rental at $649,900. Rental yield 6%. DSCR 1.05 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $179,555 in value and $5,448/yr in principal paydown builds equity, a total projected return of $165,481.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.2% |
| Monthly Cash Flow | $(1,090) | $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 | $3,250 |
| Total Monthly Debt Service | $4,240 |
| DSCR Ratio | 0.77x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1966
9,148 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11796, West Sayville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,325 (100%) |
| Owner Occupied HU | 985 (74.3%) |
| Renter Occupied HU | 279 (21.1%) |
| Vacant Housing Units | 61 ( 4.6%) |
| Median Home Value | $598,036 |
| Average Home Value | $586,921 |
Housing Distribution
Address Breakdown
Residential
1,308
Single Family
1,308
Multi-Family
0
Businesses
145
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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
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Listed by: N/A • N/A
Mls Name: OneKey MLS as distributed by MLS GRID
Mls Provider:
Mls ID: #1038695
