50 Shore RoadCold Spring HarborNY11724
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Cold Spring Harbor rentals match the income profile of 50 Shore Road, Cold Spring Harbor, NY, 11724. Listed at $1,995,000, gross rent is $60,000/mo and net cash flow is $46,678/mo, a 36.09% yield well above national averages. DSCR 6.69 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $551,182 by year five with $18,374/yr in annual principal reduction, projecting $3,764,390 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 36.1% | 6.2% |
| Monthly Cash Flow | $46,678 | $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 | $60,000 |
| Total Monthly Debt Service | $12,529 |
| DSCR Ratio | 4.79x |
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 1842
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11724, Cold Spring Harbor, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,027 (100%) |
| Owner Occupied HU | 897 (87.3%) |
| Renter Occupied HU | 79 ( 7.7%) |
| Vacant Housing Units | 51 ( 5.0%) |
| Median Home Value | $1,376,984 |
| Average Home Value | $1,451,187 |
Housing Distribution
Address Breakdown
Residential
1,052
Single Family
1,052
Multi-Family
0
Businesses
170
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 1842
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11724, Cold Spring Harbor, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,027 (100%) |
| Owner Occupied HU | 897 (87.3%) |
| Renter Occupied HU | 79 ( 7.7%) |
| Vacant Housing Units | 51 ( 5.0%) |
| Median Home Value | $1,376,984 |
| Average Home Value | $1,451,187 |
Housing Distribution
Address Breakdown
Residential
1,052
Single Family
1,052
Multi-Family
0
Businesses
170
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Bertsch • Daniel Gale Sothebys Intl Rlty
Mls Name: OneKey MLS
Mls ID: #878775