109 Garfield StLindenNJ07036
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 109 Garfield St, Linden, NJ, 07036 in Linden hard to pass up. The 10.35% gross yield on a $453,600 purchase results in $3,911/mo in rent and $678/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (1.92). Annual cash flow of $8,131, five-year appreciation of $125,321, and $4,178/yr in equity build-up combine for a projected total cumulative return of $217,446.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.2% |
| Monthly Cash Flow | $678 | $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 | $3,911 |
| Total Monthly Debt Service | $3,053 |
| DSCR Ratio | 1.28x |
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 1927
3,998 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07036, Linden, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,463 (100%) |
| Owner Occupied HU | 9,015 (51.6%) |
| Renter Occupied HU | 7,594 (43.5%) |
| Vacant Housing Units | 854 ( 4.9%) |
| Median Home Value | $474,923 |
| Average Home Value | $527,233 |
Housing Distribution
Address Breakdown
Residential
16,522
Single Family
13,989
Multi-Family
2,533
Businesses
1,688
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 1927
3,998 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07036, Linden, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,463 (100%) |
| Owner Occupied HU | 9,015 (51.6%) |
| Renter Occupied HU | 7,594 (43.5%) |
| Vacant Housing Units | 854 ( 4.9%) |
| Median Home Value | $474,923 |
| Average Home Value | $527,233 |
Housing Distribution
Address Breakdown
Residential
16,522
Single Family
13,989
Multi-Family
2,533
Businesses
1,688
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A