19 Ziemacki LaneRiverheadNY11901
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 19 Ziemacki Lane, Riverhead, NY, 11901 in Riverhead deserves attention. This $799,000 property earns $20,735/mo in rent, a 31.14% gross yield, and nets $15,399/mo after the $3,593/mo payment. DSCR 5.77 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $220,749 compounds alongside $7,359/yr in yearly equity build, for a total cumulative return of $1,295,643.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 31.1% | 6.2% |
| Monthly Cash Flow | $15,399 | $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 | $20,735 |
| Total Monthly Debt Service | $5,018 |
| DSCR Ratio | 4.13x |
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 1879
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11901, Riverhead, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,746 (100%) |
| Owner Occupied HU | 7,418 (58.2%) |
| Renter Occupied HU | 3,718 (29.2%) |
| Vacant Housing Units | 1,610 (12.6%) |
| Median Home Value | $577,542 |
| Average Home Value | $638,820 |
Housing Distribution
Address Breakdown
Residential
10,959
Single Family
9,878
Multi-Family
1,081
Businesses
1,459
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 1879
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11901, Riverhead, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,746 (100%) |
| Owner Occupied HU | 7,418 (58.2%) |
| Renter Occupied HU | 3,718 (29.2%) |
| Vacant Housing Units | 1,610 (12.6%) |
| Median Home Value | $577,542 |
| Average Home Value | $638,820 |
Housing Distribution
Address Breakdown
Residential
10,959
Single Family
9,878
Multi-Family
1,081
Businesses
1,459
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices