2148 Montauk Hwy UNIT A-03MontaukNY11954
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Montauk rentals match the income profile of 2148 Montauk Hwy UNIT A-03, Montauk, NY, 11954. Listed at $1,446,600, gross rent is $19,999/mo and net cash flow is $8,443/mo, a 16.59% yield well above national averages. DSCR 3.07 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $399,669 by year five with $13,323/yr in annual principal reduction, projecting $1,103,142 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 16.6% | 6.2% |
| Monthly Cash Flow | $8,443 | $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 | $19,999 |
| Total Monthly Debt Service | $10,981 |
| DSCR Ratio | 1.82x |
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.
Condo
Built in 1982
5.60 Acres lot
$N/A/sqft
$1,896 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11954, Montauk, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,614 (100%) |
| Owner Occupied HU | 1,428 (30.9%) |
| Renter Occupied HU | 429 ( 9.3%) |
| Vacant Housing Units | 2,757 (59.8%) |
| Median Home Value | $1,185,323 |
| Average Home Value | $1,305,851 |
Housing Distribution
Address Breakdown
Residential
2,732
Single Family
2,729
Multi-Family
3
Businesses
405
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
Condo
Built in 1982
5.60 Acres lot
$N/A/sqft
$1,896 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11954, Montauk, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,614 (100%) |
| Owner Occupied HU | 1,428 (30.9%) |
| Renter Occupied HU | 429 ( 9.3%) |
| Vacant Housing Units | 2,757 (59.8%) |
| Median Home Value | $1,185,323 |
| Average Home Value | $1,305,851 |
Housing Distribution
Address Breakdown
Residential
2,732
Single Family
2,729
Multi-Family
3
Businesses
405
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices