455 Beebe DriveCutchogueNY11935
INVESTMENT ANALYSIS
Investment Verdict
Solid Income455 Beebe Drive, Cutchogue, NY, 11935 in Cutchogue is a solid income-producing rental, 8.29% gross yield, $8,978/mo rent, $297/mo net cash flow on a $1,299,999 buy. DSCR 1.54 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $359,166 and $11,973/yr in principal reduction project a total cumulative return of $514,762.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $297 | $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 | $8,978 |
| Total Monthly Debt Service | $8,164 |
| DSCR Ratio | 1.10x |
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 2001
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11935, Cutchogue, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,200 (100%) |
| Owner Occupied HU | 1,239 (56.3%) |
| Renter Occupied HU | 232 (10.5%) |
| Vacant Housing Units | 729 (33.1%) |
| Median Home Value | $895,566 |
| Average Home Value | $1,073,107 |
Housing Distribution
Address Breakdown
Residential
1,714
Single Family
1,714
Multi-Family
0
Businesses
225
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 2001
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11935, Cutchogue, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,200 (100%) |
| Owner Occupied HU | 1,239 (56.3%) |
| Renter Occupied HU | 232 (10.5%) |
| Vacant Housing Units | 729 (33.1%) |
| Median Home Value | $895,566 |
| Average Home Value | $1,073,107 |
Housing Distribution
Address Breakdown
Residential
1,714
Single Family
1,714
Multi-Family
0
Businesses
225
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices