100 Bingham AvenueRumsonNJ07760
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 100 Bingham Avenue, Rumson, NJ, 07760 in Rumson worth study. Rental yield 4.24%. The 4.24% gross yield is below cash-flow benchmarks at $1,399,000, but 5% annual appreciation, adding $386,518 over five years, frames this as a capital growth position. Rent of $4,948/mo partially offsets the $6,291/mo payment. Ziffy Mortgage finances appreciation-play properties (0.79 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $212,891.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.2% |
| Monthly Cash Flow | $(5,024) | $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 | $4,948 |
| Total Monthly Debt Service | $9,415 |
| DSCR Ratio | 0.53x |
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 1932
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07760, Rumson, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,283 (100%) |
| Owner Occupied HU | 2,981 (69.6%) |
| Renter Occupied HU | 595 (13.9%) |
| Vacant Housing Units | 707 (16.5%) |
| Median Home Value | $1,419,553 |
| Average Home Value | $1,477,960 |
Housing Distribution
Address Breakdown
Residential
3,990
Single Family
3,950
Multi-Family
40
Businesses
331
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 1932
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07760, Rumson, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,283 (100%) |
| Owner Occupied HU | 2,981 (69.6%) |
| Renter Occupied HU | 595 (13.9%) |
| Vacant Housing Units | 707 (16.5%) |
| Median Home Value | $1,419,553 |
| Average Home Value | $1,477,960 |
Housing Distribution
Address Breakdown
Residential
3,990
Single Family
3,950
Multi-Family
40
Businesses
331
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeanne Kelly • O'Brien Realty, LLC
Mls Name: MOMLS
Mls Provider:
Mls ID: #22512458
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.