431 Newport Bridge RoadPine IslandNY10969
INVESTMENT ANALYSIS
Investment Verdict
Solid Income431 Newport Bridge Road, Pine Island, NY, 10969 in Pine Island earns a respectable 8.48% gross yield at $425,000, but after the $2,015/mo mortgage the net cash flow is $166/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.49) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $117,420 over five years, making equity the dominant return driver. Total projected return: $164,773.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $166 | $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 | $3,004 |
| Total Monthly Debt Service | $2,773 |
| DSCR Ratio | 1.08x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1978
0.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10969, Pine Island, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 536 (100%) |
| Owner Occupied HU | 381 (71.1%) |
| Renter Occupied HU | 88 (16.4%) |
| Vacant Housing Units | 67 (12.5%) |
| Median Home Value | $529,647 |
| Average Home Value | $570,171 |
Housing Distribution
Address Breakdown
Residential
361
Single Family
361
Multi-Family
0
Businesses
112
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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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Listed by: N/A • N/A
Mls Name: OneKey MLS as distributed by MLS GRID
Mls Provider:
Mls ID: #1049369
