54 Barley LanePatchogueNY11772
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 54 Barley Lane, Patchogue, NY, 11772 in Patchogue is narrow, $119/mo net on $3,786/mo rent after the $2,244/mo debt service, but the property operates at break-even-plus, not a loss. At $499,000 with a 9.1% yield, the long-run equity case via 5% appreciation ($137,865 over five years) and $4,596/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $219,527.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $119 | $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 | $3,786 |
| Total Monthly Debt Service | $3,134 |
| DSCR Ratio | 1.21x |
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.
Condo
Built in 2015
1,231 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11772, Patchogue, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,762 (100%) |
| Owner Occupied HU | 11,091 (59.1%) |
| Renter Occupied HU | 6,465 (34.5%) |
| Vacant Housing Units | 1,206 ( 6.4%) |
| Median Home Value | $538,754 |
| Average Home Value | $606,322 |
Housing Distribution
Address Breakdown
Residential
17,139
Single Family
14,452
Multi-Family
2,687
Businesses
1,514
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
Condo
Built in 2015
1,231 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11772, Patchogue, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,762 (100%) |
| Owner Occupied HU | 11,091 (59.1%) |
| Renter Occupied HU | 6,465 (34.5%) |
| Vacant Housing Units | 1,206 ( 6.4%) |
| Median Home Value | $538,754 |
| Average Home Value | $606,322 |
Housing Distribution
Address Breakdown
Residential
17,139
Single Family
14,452
Multi-Family
2,687
Businesses
1,514
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices