302 Laurel RdPearl RiverNY10965
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 302 Laurel Rd, Pearl River, NY, 10965 in Pearl River: $6,283/mo in rent, $274/mo in net income, 8.38% gross yield, 1.55 DSCR, all at $899,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $248,626 in appreciation and $8,288/yr in principal paydown projects total cumulative return of $360,760.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $274 | $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 | $6,283 |
| Total Monthly Debt Service | $5,651 |
| DSCR Ratio | 1.11x |
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 1882
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10965, Pearl River, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,886 (100%) |
| Owner Occupied HU | 4,436 (75.4%) |
| Renter Occupied HU | 1,243 (21.1%) |
| Vacant Housing Units | 207 ( 3.5%) |
| Median Home Value | $640,155 |
| Average Home Value | $701,136 |
Housing Distribution
Address Breakdown
Residential
5,627
Single Family
5,050
Multi-Family
577
Businesses
610
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 1882
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10965, Pearl River, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,886 (100%) |
| Owner Occupied HU | 4,436 (75.4%) |
| Renter Occupied HU | 1,243 (21.1%) |
| Vacant Housing Units | 207 ( 3.5%) |
| Median Home Value | $640,155 |
| Average Home Value | $701,136 |
Housing Distribution
Address Breakdown
Residential
5,627
Single Family
5,050
Multi-Family
577
Businesses
610
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A