4 Fox RoadMiddle IslandNY11953
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Middle Island rental at 4 Fox Road, Middle Island, NY, 11953 sits in the solid-income band: 9.96% gross yield, $4,150/mo rent, $811/mo net after the $2,248/mo debt service, DSCR 1.85. Entry price of $499,990 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $138,138 and $4,605/yr in principal reduction bring total cumulative return to $242,892.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.2% |
| Monthly Cash Flow | $811 | $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 | $4,150 |
| Total Monthly Debt Service | $3,140 |
| DSCR Ratio | 1.32x |
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 1951
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11953, Middle Island, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,369 (100%) |
| Owner Occupied HU | 3,612 (67.3%) |
| Renter Occupied HU | 1,492 (27.8%) |
| Vacant Housing Units | 265 ( 4.9%) |
| Median Home Value | $427,596 |
| Average Home Value | $492,775 |
Housing Distribution
Address Breakdown
Residential
5,477
Single Family
5,477
Multi-Family
0
Businesses
352
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 1951
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11953, Middle Island, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,369 (100%) |
| Owner Occupied HU | 3,612 (67.3%) |
| Renter Occupied HU | 1,492 (27.8%) |
| Vacant Housing Units | 265 ( 4.9%) |
| Median Home Value | $427,596 |
| Average Home Value | $492,775 |
Housing Distribution
Address Breakdown
Residential
5,477
Single Family
5,477
Multi-Family
0
Businesses
352
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices