186 York StWest HavenCT06516
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 186 York St, West Haven, CT, 06516 in West Haven. Rental yield 6.47%. The 0.97 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $137,865 and $4,596/yr in principal reduction project total return of $105,647.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.8% |
| Monthly Cash Flow | $(814) | $1,926 |
City averages based on West Haven market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,177 |
| Total Monthly Debt Service | $3,305 |
| DSCR Ratio | 0.66x |
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.
Multi Family
Built in 1976
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06516, West Haven, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,840 (100%) |
| Owner Occupied HU | 11,877 (52.0%) |
| Renter Occupied HU | 9,766 (42.8%) |
| Vacant Housing Units | 1,197 ( 5.2%) |
| Median Home Value | $306,107 |
| Average Home Value | $333,389 |
Housing Distribution
Address Breakdown
Residential
21,891
Single Family
17,105
Multi-Family
4,786
Businesses
1,373
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 1976
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06516, West Haven, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,840 (100%) |
| Owner Occupied HU | 11,877 (52.0%) |
| Renter Occupied HU | 9,766 (42.8%) |
| Vacant Housing Units | 1,197 ( 5.2%) |
| Median Home Value | $306,107 |
| Average Home Value | $333,389 |
Housing Distribution
Address Breakdown
Residential
21,891
Single Family
17,105
Multi-Family
4,786
Businesses
1,373
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cindy Puccino • RE/MAX Alliance
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24088376
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.