27 E Sullivan PlaceWhite LakeNY12786
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 27 E Sullivan Place, White Lake, NY, 12786 in White Lake. Priced at $199,000, it generates $3,450/mo in gross rent and $2,121/mo in net monthly cash flow, a 20.8% yield that comfortably supports the 3.85 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $25,453. Five-year appreciation: $54,980. Equity from principal paydown: $1,833/yr. Total projected cumulative return: $212,418.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 20.8% | 6.2% |
| Monthly Cash Flow | $2,121 | $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 | $3,450 |
| Total Monthly Debt Service | $1,250 |
| DSCR Ratio | 2.76x |
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 1940
10,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12786, White Lake, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,122 (100%) |
| Owner Occupied HU | 340 (30.3%) |
| Renter Occupied HU | 78 ( 7.0%) |
| Vacant Housing Units | 704 (62.7%) |
| Median Home Value | $369,863 |
| Average Home Value | $410,257 |
Housing Distribution
Address Breakdown
Residential
138
Single Family
138
Multi-Family
0
Businesses
52
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 1940
10,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12786, White Lake, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,122 (100%) |
| Owner Occupied HU | 340 (30.3%) |
| Renter Occupied HU | 78 ( 7.0%) |
| Vacant Housing Units | 704 (62.7%) |
| Median Home Value | $369,863 |
| Average Home Value | $410,257 |
Housing Distribution
Address Breakdown
Residential
138
Single Family
138
Multi-Family
0
Businesses
52
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices