20 Birch AvenueFarmingvilleNY11738
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 20 Birch Avenue, Farmingville, NY, 11738 in Farmingville is listed at $535,000 and delivers $3,960/mo in rent and $387/mo in net monthly cash flow. The 8.88% yield and 1.65 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 $147,811 over five years, and $4,927/yr in principal reduction supplements cash return. Total projected cumulative return: $228,912.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $387 | $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 | $3,960 |
| Total Monthly Debt Service | $3,360 |
| DSCR Ratio | 1.18x |
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 1957
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11738, Farmingville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,865 (100%) |
| Owner Occupied HU | 4,460 (76.0%) |
| Renter Occupied HU | 1,027 (17.5%) |
| Vacant Housing Units | 378 ( 6.4%) |
| Median Home Value | $561,933 |
| Average Home Value | $573,951 |
Housing Distribution
Address Breakdown
Residential
5,094
Single Family
4,873
Multi-Family
221
Businesses
410
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 1957
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11738, Farmingville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,865 (100%) |
| Owner Occupied HU | 4,460 (76.0%) |
| Renter Occupied HU | 1,027 (17.5%) |
| Vacant Housing Units | 378 ( 6.4%) |
| Median Home Value | $561,933 |
| Average Home Value | $573,951 |
Housing Distribution
Address Breakdown
Residential
5,094
Single Family
4,873
Multi-Family
221
Businesses
410
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Juan R. Henriquez • Blue International Realty Ltd
Mls Name: OneKey MLS
Mls ID: #958480