40 Prospect AvenueSea CliffNY11579
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Sea Cliff at 40 Prospect Avenue, Sea Cliff, NY, 11579 projects strong ROI of -1.32%. Rental yield 1.62%. With 5% annual appreciation, the property builds $731,870 in value over five years. Equity growth combined delivers a projected five-year ROI of 6.9%, translating into $51,612 in total cumulative return on $748,343 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 6.2% |
| Monthly Cash Flow | $(14,120) | $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 | $3,570 |
| Total Monthly Debt Service | $17,282 |
| DSCR Ratio | 0.21x |
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 1910
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11579, Sea Cliff, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,086 (100%) |
| Owner Occupied HU | 1,494 (71.6%) |
| Renter Occupied HU | 461 (22.1%) |
| Vacant Housing Units | 131 ( 6.3%) |
| Median Home Value | $930,000 |
| Average Home Value | $1,023,419 |
Housing Distribution
Address Breakdown
Residential
1,968
Single Family
1,918
Multi-Family
50
Businesses
237
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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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