80 Shore RoadCold Spring HarborNY11724
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Cold Spring Harbor at 80 Shore Road, Cold Spring Harbor, NY, 11724 projects strong ROI of 6.04%. Rental yield 3.32%. With 5% annual appreciation, the property builds $716,951 in value over five years. Equity growth combined delivers a projected five-year ROI of 45.89%, translating into $336,394 in total cumulative return on $733,088 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 6.2% |
| Monthly Cash Flow | $(10,149) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $7,180 |
| Total Monthly Debt Service | $16,297 |
| DSCR Ratio | 0.44x |
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 1830
0.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11724, Cold Spring Harbor, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,027 (100%) |
| Owner Occupied HU | 897 (87.3%) |
| Renter Occupied HU | 79 ( 7.7%) |
| Vacant Housing Units | 51 ( 5.0%) |
| Median Home Value | $1,376,984 |
| Average Home Value | $1,451,187 |
Housing Distribution
Address Breakdown
Residential
1,052
Single Family
1,052
Multi-Family
0
Businesses
170
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 1830
0.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11724, Cold Spring Harbor, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,027 (100%) |
| Owner Occupied HU | 897 (87.3%) |
| Renter Occupied HU | 79 ( 7.7%) |
| Vacant Housing Units | 51 ( 5.0%) |
| Median Home Value | $1,376,984 |
| Average Home Value | $1,451,187 |
Housing Distribution
Address Breakdown
Residential
1,052
Single Family
1,052
Multi-Family
0
Businesses
170
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: OneKey MLS as distributed by MLS GRID
Mls ID: #985735