12 Willow UNIT CToms RiverNJ08757
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 12 Willow UNIT C, Toms River, NJ, 08757 in Toms River is the 1.73 coverage ratio: rent of $840/mo versus a $486/mo debt payment on a $108,000 property. Rental yield 9.33%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $29,838 by year five, with $995/yr in equity from paydown. Total projected cumulative return: $19,852.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 5.5% |
| Monthly Cash Flow | $(364) | $1,850 |
City averages based on Toms River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $840 |
| Total Monthly Debt Service | $1,161 |
| DSCR Ratio | 0.72x |
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 N/A
N/A lot
$N/A/sqft
$434 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08757, Toms River, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,526 (100%) |
| Owner Occupied HU | 15,976 (77.8%) |
| Renter Occupied HU | 2,528 (12.3%) |
| Vacant Housing Units | 2,022 ( 9.9%) |
| Median Home Value | $288,781 |
| Average Home Value | $336,075 |
Housing Distribution
Address Breakdown
Residential
18,568
Single Family
18,567
Multi-Family
1
Businesses
172
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 N/A
N/A lot
$N/A/sqft
$434 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08757, Toms River, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,526 (100%) |
| Owner Occupied HU | 15,976 (77.8%) |
| Renter Occupied HU | 2,528 (12.3%) |
| Vacant Housing Units | 2,022 ( 9.9%) |
| Median Home Value | $288,781 |
| Average Home Value | $336,075 |
Housing Distribution
Address Breakdown
Residential
18,568
Single Family
18,567
Multi-Family
1
Businesses
172
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Janis Wyatt • Crossroads Realty Manchester
Mls Name: MOMLS
Mls Provider:
Mls ID: #22432497
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.