291 Main StSag HarborNY11963
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 291 Main St, Sag Harbor, NY, 11963 in Sag Harbor at $803,600, 3.74% gross yield, is a market-growth asset. Rental yield 3.74%. The $7,627/mo rent partially funds the $3,613/mo debt service; the core return is the 5%/yr price growth projected to add $222,020 over five years. Ziffy Mortgage's DSCR mortgage (2.11) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $451,909.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.2% |
| Monthly Cash Flow | $(8,734) | $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 | $7,627 |
| Total Monthly Debt Service | $5,047 |
| DSCR Ratio | 1.51x |
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 1880
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11963, Sag Harbor, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,962 (100%) |
| Owner Occupied HU | 2,952 (49.5%) |
| Renter Occupied HU | 684 (11.5%) |
| Vacant Housing Units | 2,326 (39.0%) |
| Median Home Value | $1,132,682 |
| Average Home Value | $1,315,119 |
Housing Distribution
Address Breakdown
Residential
4,566
Single Family
4,492
Multi-Family
74
Businesses
459
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 1880
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11963, Sag Harbor, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,962 (100%) |
| Owner Occupied HU | 2,952 (49.5%) |
| Renter Occupied HU | 684 (11.5%) |
| Vacant Housing Units | 2,326 (39.0%) |
| Median Home Value | $1,132,682 |
| Average Home Value | $1,315,119 |
Housing Distribution
Address Breakdown
Residential
4,566
Single Family
4,492
Multi-Family
74
Businesses
459
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Out East
Mls ID: #381713