763 County Route 1Pine IslandNY10969
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 763 County Route 1, Pine Island, NY, 10969 in Pine Island. Rental yield 7.12%. The 1.32 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $193,121 and $6,438/yr in principal reduction project total return of $232,989.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $(522) | $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 | $4,146 |
| Total Monthly Debt Service | $4,390 |
| DSCR Ratio | 0.94x |
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 1928
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10969, Pine Island, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 536 (100%) |
| Owner Occupied HU | 381 (71.1%) |
| Renter Occupied HU | 88 (16.4%) |
| Vacant Housing Units | 67 (12.5%) |
| Median Home Value | $529,647 |
| Average Home Value | $570,171 |
Housing Distribution
Address Breakdown
Residential
361
Single Family
361
Multi-Family
0
Businesses
112
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 1928
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10969, Pine Island, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 536 (100%) |
| Owner Occupied HU | 381 (71.1%) |
| Renter Occupied HU | 88 (16.4%) |
| Vacant Housing Units | 67 (12.5%) |
| Median Home Value | $529,647 |
| Average Home Value | $570,171 |
Housing Distribution
Address Breakdown
Residential
361
Single Family
361
Multi-Family
0
Businesses
112
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A