100 Bay AvenueAtlantic HighlandsNJ07716
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 100 Bay Avenue, Atlantic Highlands, NJ, 07716 in Atlantic Highlands. At $599,900 it earns $4,712/mo in rent and distributes $436/mo to the owner after the $2,698/mo payment, a consistent 9.43% yield. DSCR 1.75 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $165,741 in value; $5,525/yr in principal paydown compounds ownership stake. Total projected return: $257,988.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $436 | $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 | $4,712 |
| Total Monthly Debt Service | $4,037 |
| DSCR Ratio | 1.17x |
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 1940
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07716, Atlantic Highlands, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,023 (100%) |
| Owner Occupied HU | 2,544 (63.2%) |
| Renter Occupied HU | 1,216 (30.2%) |
| Vacant Housing Units | 263 ( 6.5%) |
| Median Home Value | $788,732 |
| Average Home Value | $937,284 |
Housing Distribution
Address Breakdown
Residential
3,852
Single Family
3,448
Multi-Family
404
Businesses
343
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 1940
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07716, Atlantic Highlands, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,023 (100%) |
| Owner Occupied HU | 2,544 (63.2%) |
| Renter Occupied HU | 1,216 (30.2%) |
| Vacant Housing Units | 263 ( 6.5%) |
| Median Home Value | $788,732 |
| Average Home Value | $937,284 |
Housing Distribution
Address Breakdown
Residential
3,852
Single Family
3,448
Multi-Family
404
Businesses
343
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rose M O'neill • EXP Realty
Mls Name: MOMLS
Mls Provider:
Mls ID: #22511624
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.