16 Garden PlShirleyNY11967
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 16 Garden Pl, Shirley, NY, 11967 in Shirley speaks for itself: 18.92% gross on a $500,000 price, generating $7,882/mo in rent and $4,543/mo in net income after the $2,248/mo debt service. DSCR 3.51, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $54,512 stacks alongside $138,141 in projected five-year appreciation and $4,605/yr in principal reduction. Projected total cumulative return: $483,051.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 18.9% | 6.2% |
| Monthly Cash Flow | $4,543 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $7,882 |
| Total Monthly Debt Service | $3,140 |
| DSCR Ratio | 2.51x |
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
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11967, Shirley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,550 (100%) |
| Owner Occupied HU | 6,830 (79.9%) |
| Renter Occupied HU | 1,248 (14.6%) |
| Vacant Housing Units | 472 ( 5.5%) |
| Median Home Value | $456,058 |
| Average Home Value | $508,929 |
Housing Distribution
Address Breakdown
Residential
8,270
Single Family
8,270
Multi-Family
0
Businesses
497
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
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11967, Shirley, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,550 (100%) |
| Owner Occupied HU | 6,830 (79.9%) |
| Renter Occupied HU | 1,248 (14.6%) |
| Vacant Housing Units | 472 ( 5.5%) |
| Median Home Value | $456,058 |
| Average Home Value | $508,929 |
Housing Distribution
Address Breakdown
Residential
8,270
Single Family
8,270
Multi-Family
0
Businesses
497
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices