25 Whitewood DriveRocky PointNY11778
INVESTMENT ANALYSIS
Investment Verdict
Solid Income25 Whitewood Drive, Rocky Point, NY, 11778 in Rocky Point is a solid income-producing rental, 9.86% gross yield, $5,219/mo rent, $978/mo net cash flow on a $635,000 buy. DSCR 1.83 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $175,439 and $5,848/yr in principal reduction project a total cumulative return of $305,141.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $978 | $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 | $5,219 |
| Total Monthly Debt Service | $3,988 |
| DSCR Ratio | 1.31x |
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 1963
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11778, Rocky Point, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,110 (100%) |
| Owner Occupied HU | 3,966 (77.6%) |
| Renter Occupied HU | 664 (13.0%) |
| Vacant Housing Units | 480 ( 9.4%) |
| Median Home Value | $506,745 |
| Average Home Value | $549,643 |
Housing Distribution
Address Breakdown
Residential
4,622
Single Family
4,622
Multi-Family
0
Businesses
427
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 1963
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11778, Rocky Point, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,110 (100%) |
| Owner Occupied HU | 3,966 (77.6%) |
| Renter Occupied HU | 664 (13.0%) |
| Vacant Housing Units | 480 ( 9.4%) |
| Median Home Value | $506,745 |
| Average Home Value | $549,643 |
Housing Distribution
Address Breakdown
Residential
4,622
Single Family
4,622
Multi-Family
0
Businesses
427
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristen Toffales • Serhant LLC
Mls Name: OneKey MLS
Mls Provider:
Mls ID: #862720
Disclaimer: Based on information submitted to the MLS GRID as of 2025-10-27 04:28:19 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#778)