7 Twixt Hills RoadSaint JamesNY11780
INVESTMENT ANALYSIS
Investment Verdict
Solid Income7 Twixt Hills Road, Saint James, NY, 11780 in Saint James is a solid income-producing rental, 8.64% gross yield, $6,397/mo rent, $461/mo net cash flow on a $889,000 buy. DSCR 1.60 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $245,614 and $8,188/yr in principal reduction project a total cumulative return of $368,592.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $461 | $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 | $6,397 |
| Total Monthly Debt Service | $5,583 |
| DSCR Ratio | 1.15x |
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 1968
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11780, Saint James, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,698 (100%) |
| Owner Occupied HU | 4,802 (84.3%) |
| Renter Occupied HU | 607 (10.7%) |
| Vacant Housing Units | 289 ( 5.1%) |
| Median Home Value | $732,275 |
| Average Home Value | $822,409 |
Housing Distribution
Address Breakdown
Residential
5,593
Single Family
5,585
Multi-Family
8
Businesses
619
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 1968
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11780, Saint James, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,698 (100%) |
| Owner Occupied HU | 4,802 (84.3%) |
| Renter Occupied HU | 607 (10.7%) |
| Vacant Housing Units | 289 ( 5.1%) |
| Median Home Value | $732,275 |
| Average Home Value | $822,409 |
Housing Distribution
Address Breakdown
Residential
5,593
Single Family
5,585
Multi-Family
8
Businesses
619
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices