5A & 5B S Shore RdInletNY13360
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 5A & 5B S Shore Rd, Inlet, NY, 13360 in Inlet fits: $1,950,000, 3.58% gross yield, and a projected 5% annual appreciation rate adding $538,749 in value within five years. Rental yield 3.58%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.66) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $17,960/yr in principal paydown and $538,749 in appreciation project a total return of $280,017.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 6.2% |
| Monthly Cash Flow | $(7,204) | $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 | $5,818 |
| Total Monthly Debt Service | $12,246 |
| DSCR Ratio | 0.48x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1910
3.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13360, Inlet, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 993 (100%) |
| Owner Occupied HU | 139 (14.0%) |
| Renter Occupied HU | 46 ( 4.6%) |
| Vacant Housing Units | 808 (81.4%) |
| Median Home Value | $404,630 |
| Average Home Value | $388,112 |
Housing Distribution
Address Breakdown
Residential
46
Single Family
46
Multi-Family
0
Businesses
53
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 1910
3.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13360, Inlet, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 993 (100%) |
| Owner Occupied HU | 139 (14.0%) |
| Renter Occupied HU | 46 ( 4.6%) |
| Vacant Housing Units | 808 (81.4%) |
| Median Home Value | $404,630 |
| Average Home Value | $388,112 |
Housing Distribution
Address Breakdown
Residential
46
Single Family
46
Multi-Family
0
Businesses
53
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tory Dunn • Herron Realty
Mls Name: ACVMLS
Mls Provider:
Mls ID: #202747
Disclaimer: Listing data courtesy of the Internet Data Exchange (IDX) Program of the Adirondack Champlain Valley Multiple Listing Service. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listing information deemed reliable but not guaranteed.