4 W Oak Hill DriveOyster BayNY11771
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 4 W Oak Hill Drive, Oyster Bay, NY, 11771 in Oyster Bay offers a clean, manageable entry. Rental yield 7.2%. DSCR 1.33 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $234,812 in additional property value over five years, with $7,828/yr in principal equity building ownership stake. Total projected cumulative return: $287,041.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $(575) | $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 | $5,100 |
| Total Monthly Debt Service | $5,337 |
| DSCR Ratio | 0.96x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1965
10,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11771, Oyster Bay, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,522 (100%) |
| Owner Occupied HU | 2,917 (64.5%) |
| Renter Occupied HU | 1,288 (28.5%) |
| Vacant Housing Units | 317 ( 7.0%) |
| Median Home Value | $949,581 |
| Average Home Value | $1,190,249 |
Housing Distribution
Address Breakdown
Residential
3,802
Single Family
3,535
Multi-Family
267
Businesses
507
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 1965
10,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11771, Oyster Bay, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,522 (100%) |
| Owner Occupied HU | 2,917 (64.5%) |
| Renter Occupied HU | 1,288 (28.5%) |
| Vacant Housing Units | 317 ( 7.0%) |
| Median Home Value | $949,581 |
| Average Home Value | $1,190,249 |
Housing Distribution
Address Breakdown
Residential
3,802
Single Family
3,535
Multi-Family
267
Businesses
507
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: OneKey MLS as distributed by MLS GRID
Mls ID: #983371