2109 Vincent AveVerona BeachNY13162
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 2109 Vincent Ave, Verona Beach, NY, 13162 in Verona Beach is listed at $244,900 and delivers $1,920/mo in rent and $285/mo in net monthly cash flow. The 9.41% yield and 1.74 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 $67,661 over five years, and $2,256/yr in principal reduction supplements cash return. Total projected cumulative return: $111,751.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $285 | $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 | $1,920 |
| Total Monthly Debt Service | $1,538 |
| DSCR Ratio | 1.25x |
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
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13162, Verona Beach, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 273 (100%) |
| Owner Occupied HU | 135 (49.5%) |
| Renter Occupied HU | 22 ( 8.1%) |
| Vacant Housing Units | 116 (42.5%) |
| Median Home Value | $229,605 |
| Average Home Value | $265,685 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
17
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
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13162, Verona Beach, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 273 (100%) |
| Owner Occupied HU | 135 (49.5%) |
| Renter Occupied HU | 22 ( 8.1%) |
| Vacant Housing Units | 116 (42.5%) |
| Median Home Value | $229,605 |
| Average Home Value | $265,685 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Laura Loomis-Patrick • Coldwell Banker Prime Prop. Inc.
Mls Name: NYSAMLSs
Mls ID: #S1658087