3681 Naomi StreetSeafordNY11783
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play3681 Naomi Street, Seaford, NY, 11783 in Seaford is priced for appreciation, not yield. Rental yield 4.58%. At $1,499,000 with a 4.58% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $414,146 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.81) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $267,371.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.2% |
| Monthly Cash Flow | $(4,289) | $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 | $5,721 |
| Total Monthly Debt Service | $9,779 |
| DSCR Ratio | 0.59x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2026
5,100 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11783, Seaford, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,419 (100%) |
| Owner Occupied HU | 6,630 (89.4%) |
| Renter Occupied HU | 565 ( 7.6%) |
| Vacant Housing Units | 224 ( 3.0%) |
| Median Home Value | $656,191 |
| Average Home Value | $711,163 |
Housing Distribution
Address Breakdown
Residential
7,200
Single Family
7,088
Multi-Family
112
Businesses
396
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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
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