2555 Youngs Avenue UNIT 13BSoutholdNY11971
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 2555 Youngs Avenue UNIT 13B, Southold, NY, 11971 in Southold deserves attention. This $565,000 property earns $9,000/mo in rent, a 19.12% gross yield, and nets $4,792/mo after the $2,541/mo payment. DSCR 3.54 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $156,099 compounds alongside $5,204/yr in yearly equity build, for a total cumulative return of $525,695.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 19.1% | 6.2% |
| Monthly Cash Flow | $4,792 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $9,000 |
| Total Monthly Debt Service | $3,983 |
| DSCR Ratio | 2.26x |
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 1986
436 sqft lot
$N/A/sqft
$435 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11971, Southold, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,335 (100%) |
| Owner Occupied HU | 2,232 (51.5%) |
| Renter Occupied HU | 421 ( 9.7%) |
| Vacant Housing Units | 1,682 (38.8%) |
| Median Home Value | $805,816 |
| Average Home Value | $905,335 |
Housing Distribution
Address Breakdown
Residential
3,098
Single Family
3,056
Multi-Family
42
Businesses
361
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 1986
436 sqft lot
$N/A/sqft
$435 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11971, Southold, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,335 (100%) |
| Owner Occupied HU | 2,232 (51.5%) |
| Renter Occupied HU | 421 ( 9.7%) |
| Vacant Housing Units | 1,682 (38.8%) |
| Median Home Value | $805,816 |
| Average Home Value | $905,335 |
Housing Distribution
Address Breakdown
Residential
3,098
Single Family
3,056
Multi-Family
42
Businesses
361
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices