41 E Elm StreetCentral IslipNY11722
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow41 E Elm Street, Central Islip, NY, 11722 in Central Islip earns its strong cash-flow label: 13.33% yield, $6,652/mo rent, $2,652/mo net income, DSCR 2.47. The $599,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $165,493 by year five. Combined with $5,517/yr in principal paydown, total projected return reaches $399,088.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.3% | 6.2% |
| Monthly Cash Flow | $2,652 | $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 | $6,652 |
| Total Monthly Debt Service | $3,762 |
| DSCR Ratio | 1.77x |
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 1962
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11722, Central Islip, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,168 (100%) |
| Owner Occupied HU | 7,332 (65.7%) |
| Renter Occupied HU | 3,261 (29.2%) |
| Vacant Housing Units | 575 ( 5.1%) |
| Median Home Value | $469,487 |
| Average Home Value | $552,376 |
Housing Distribution
Address Breakdown
Residential
9,675
Single Family
8,540
Multi-Family
1,135
Businesses
627
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 1962
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11722, Central Islip, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,168 (100%) |
| Owner Occupied HU | 7,332 (65.7%) |
| Renter Occupied HU | 3,261 (29.2%) |
| Vacant Housing Units | 575 ( 5.1%) |
| Median Home Value | $469,487 |
| Average Home Value | $552,376 |
Housing Distribution
Address Breakdown
Residential
9,675
Single Family
8,540
Multi-Family
1,135
Businesses
627
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices