63 Rocky Point Yaphank Road #80Rocky PointNY11778
INVESTMENT ANALYSIS
Investment Verdict
Solid Income63 Rocky Point Yaphank Road #80, Rocky Point, NY, 11778 in Rocky Point carries a 1.75 coverage ratio, rent of $1,565/mo is 1.75 times the $895/mo payment. Rental yield 9.44%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $199,000 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $54,980; total projected cumulative return: $91,110.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $(644) | $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 | $1,565 |
| Total Monthly Debt Service | $1,250 |
| DSCR Ratio | 1.25x |
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 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11778, Rocky Point, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,110 (100%) |
| Owner Occupied HU | 3,966 (77.6%) |
| Renter Occupied HU | 664 (13.0%) |
| Vacant Housing Units | 480 ( 9.4%) |
| Median Home Value | $506,745 |
| Average Home Value | $549,643 |
Housing Distribution
Address Breakdown
Residential
4,622
Single Family
4,622
Multi-Family
0
Businesses
427
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 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11778, Rocky Point, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,110 (100%) |
| Owner Occupied HU | 3,966 (77.6%) |
| Renter Occupied HU | 664 (13.0%) |
| Vacant Housing Units | 480 ( 9.4%) |
| Median Home Value | $506,745 |
| Average Home Value | $549,643 |
Housing Distribution
Address Breakdown
Residential
4,622
Single Family
4,622
Multi-Family
0
Businesses
427
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Oakar Reinstein • Realty Connect USA L I Inc
Mls Name: OneKey MLS
Mls ID: #928101