859 E Bay DrWest IslipNY11795
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 859 E Bay Dr, West Islip, NY, 11795 in West Islip. Rental yield 7.72%. The 1.43 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $260,782 and $8,693/yr in principal reduction project total return of $345,328.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $(228) | $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 | $6,076 |
| Total Monthly Debt Service | $5,928 |
| DSCR Ratio | 1.03x |
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 1962
7,841 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11795, West Islip, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,409 (100%) |
| Owner Occupied HU | 7,620 (90.6%) |
| Renter Occupied HU | 509 ( 6.1%) |
| Vacant Housing Units | 280 ( 3.3%) |
| Median Home Value | $648,627 |
| Average Home Value | $718,244 |
Housing Distribution
Address Breakdown
Residential
8,081
Single Family
8,041
Multi-Family
40
Businesses
475
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 1962
7,841 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 11795, West Islip, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,409 (100%) |
| Owner Occupied HU | 7,620 (90.6%) |
| Renter Occupied HU | 509 ( 6.1%) |
| Vacant Housing Units | 280 ( 3.3%) |
| Median Home Value | $648,627 |
| Average Home Value | $718,244 |
Housing Distribution
Address Breakdown
Residential
8,081
Single Family
8,041
Multi-Family
40
Businesses
475
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Zillow Rentals
Mls ID: #N/A