100 E Main StreetFreeholdNJ07728
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 100 E Main Street, Freehold, NJ, 07728 in Freehold is narrow, $80/mo net on $5,425/mo rent after the $3,372/mo debt service, but the property operates at break-even-plus, not a loss. At $749,900 with a 8.68% yield, the long-run equity case via 5% appreciation ($207,184 over five years) and $6,907/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.61 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $292,580.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.0% |
| Monthly Cash Flow | $80 | $300 |
City averages based on Freehold market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,425 |
| Total Monthly Debt Service | $5,047 |
| DSCR Ratio | 1.07x |
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 1920
0.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07728, Freehold, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,199 (100%) |
| Owner Occupied HU | 15,984 (72.0%) |
| Renter Occupied HU | 5,174 (23.3%) |
| Vacant Housing Units | 1,041 ( 4.7%) |
| Median Home Value | $605,836 |
| Average Home Value | $628,077 |
Housing Distribution
Address Breakdown
Residential
20,840
Single Family
19,700
Multi-Family
1,140
Businesses
2,135
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 1920
0.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07728, Freehold, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,199 (100%) |
| Owner Occupied HU | 15,984 (72.0%) |
| Renter Occupied HU | 5,174 (23.3%) |
| Vacant Housing Units | 1,041 ( 4.7%) |
| Median Home Value | $605,836 |
| Average Home Value | $628,077 |
Housing Distribution
Address Breakdown
Residential
20,840
Single Family
19,700
Multi-Family
1,140
Businesses
2,135
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joseph San Nicola • Maxima Realtors
Mls Name: MOMLS
Mls Provider:
Mls ID: #22508226
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.