3080 Henrys LanePeconicNY11958
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 3080 Henrys Lane, Peconic, NY, 11958 in Peconic deserves attention. This $899,000 property earns $8,664/mo in rent, a 11.56% gross yield, and nets $2,661/mo after the $4,042/mo payment. DSCR 2.14 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $248,377 compounds alongside $8,280/yr in yearly equity build, for a total cumulative return of $514,028.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.2% |
| Monthly Cash Flow | $2,661 | $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 | $8,664 |
| Total Monthly Debt Service | $5,646 |
| DSCR Ratio | 1.53x |
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 1985
0.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11958, Peconic, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 620 (100%) |
| Owner Occupied HU | 304 (49.0%) |
| Renter Occupied HU | 64 (10.3%) |
| Vacant Housing Units | 252 (40.6%) |
| Median Home Value | $868,705 |
| Average Home Value | $985,197 |
Housing Distribution
Address Breakdown
Residential
288
Single Family
288
Multi-Family
0
Businesses
81
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 1985
0.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11958, Peconic, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 620 (100%) |
| Owner Occupied HU | 304 (49.0%) |
| Renter Occupied HU | 64 (10.3%) |
| Vacant Housing Units | 252 (40.6%) |
| Median Home Value | $868,705 |
| Average Home Value | $985,197 |
Housing Distribution
Address Breakdown
Residential
288
Single Family
288
Multi-Family
0
Businesses
81
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices