43 Atlantic AvenueWest SayvilleNY11796
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 43 Atlantic Avenue, West Sayville, NY, 11796 in West Sayville: $6,000/mo in rent, $1,065/mo in net income, 9.74% gross yield, 1.81 DSCR, all at $739,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $204,172 in appreciation and $6,806/yr in principal paydown projects total cumulative return of $350,356.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.2% |
| Monthly Cash Flow | $1,065 | $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 | $6,000 |
| Total Monthly Debt Service | $4,641 |
| DSCR Ratio | 1.29x |
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 1947
10,019 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11796, West Sayville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,325 (100%) |
| Owner Occupied HU | 985 (74.3%) |
| Renter Occupied HU | 279 (21.1%) |
| Vacant Housing Units | 61 ( 4.6%) |
| Median Home Value | $598,036 |
| Average Home Value | $586,921 |
Housing Distribution
Address Breakdown
Residential
1,308
Single Family
1,308
Multi-Family
0
Businesses
145
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 1947
10,019 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11796, West Sayville, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,325 (100%) |
| Owner Occupied HU | 985 (74.3%) |
| Renter Occupied HU | 279 (21.1%) |
| Vacant Housing Units | 61 ( 4.6%) |
| Median Home Value | $598,036 |
| Average Home Value | $586,921 |
Housing Distribution
Address Breakdown
Residential
1,308
Single Family
1,308
Multi-Family
0
Businesses
145
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices