8 Ayers RoadTomkins CoveNY10986
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Tomkins Cove rentals match the income profile of 8 Ayers Road, Tomkins Cove, NY, 10986. Listed at $999,000, gross rent is $9,840/mo and net cash flow is $3,169/mo, a 11.82% yield well above national averages. DSCR 2.19 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $276,005 by year five with $9,201/yr in annual principal reduction, projecting $584,870 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.2% |
| Monthly Cash Flow | $3,169 | $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 | $9,840 |
| Total Monthly Debt Service | $6,274 |
| DSCR Ratio | 1.57x |
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 1900
3.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10986, Tomkins Cove, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 690 (100%) |
| Owner Occupied HU | 520 (75.4%) |
| Renter Occupied HU | 125 (18.1%) |
| Vacant Housing Units | 45 ( 6.5%) |
| Median Home Value | $767,578 |
| Average Home Value | $753,101 |
Housing Distribution
Address Breakdown
Residential
611
Single Family
611
Multi-Family
0
Businesses
52
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 1900
3.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 10986, Tomkins Cove, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 690 (100%) |
| Owner Occupied HU | 520 (75.4%) |
| Renter Occupied HU | 125 (18.1%) |
| Vacant Housing Units | 45 ( 6.5%) |
| Median Home Value | $767,578 |
| Average Home Value | $753,101 |
Housing Distribution
Address Breakdown
Residential
611
Single Family
611
Multi-Family
0
Businesses
52
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jody Atkinson • Ellis Sotheby's Intl Realty
Mls Name: OneKey MLS
Mls ID: #911432