12 Amherst Road UNIT 64WhitingNJ08759
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 12 Amherst Road UNIT 64, Whiting, NJ, 08759 in Whiting. At $289,900 it earns $2,604/mo in rent and distributes $391/mo to the owner after the $1,304/mo payment, a consistent 10.78% yield. DSCR 2.00 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $80,094 in value; $2,670/yr in principal paydown compounds ownership stake. Total projected return: $136,872.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $391 | $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 | $2,604 |
| Total Monthly Debt Service | $2,098 |
| DSCR Ratio | 1.24x |
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 1984
0.28 Acres lot
$N/A/sqft
$147 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08759, Manchester Township, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,283 (100%) |
| Owner Occupied HU | 19,068 (81.9%) |
| Renter Occupied HU | 2,211 ( 9.5%) |
| Vacant Housing Units | 2,004 ( 8.6%) |
| Median Home Value | $231,529 |
| Average Home Value | $352,495 |
Housing Distribution
Address Breakdown
Residential
22,057
Single Family
21,519
Multi-Family
538
Businesses
338
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 1984
0.28 Acres lot
$N/A/sqft
$147 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08759, Manchester Township, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,283 (100%) |
| Owner Occupied HU | 19,068 (81.9%) |
| Renter Occupied HU | 2,211 ( 9.5%) |
| Vacant Housing Units | 2,004 ( 8.6%) |
| Median Home Value | $231,529 |
| Average Home Value | $352,495 |
Housing Distribution
Address Breakdown
Residential
22,057
Single Family
21,519
Multi-Family
538
Businesses
338
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David Lazaro • Keller Williams Shore Properties
Mls Name: MOMLS
Mls Provider:
Mls ID: #22506855
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.