13 Gatley CloseFreeholdNJ07728
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeFor first-time U.S. investors or those diversifying conservatively, 13 Gatley Close, Freehold, NJ, 07728 in Freehold offers a clean, manageable entry. Rental yield 8.06%. DSCR 1.49 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $124,299 in additional property value over five years, with $4,144/yr in principal equity building ownership stake. Total projected cumulative return: $160,647.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $(184) | $300 |
City averages based on Freehold market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,023 |
| Total Monthly Debt Service | $3,028 |
| DSCR Ratio | 1.00x |
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 1987
N/A 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 1987
N/A 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: Geralyn Liverani • Keller Williams Realty West Monmouth
Mls Name: MoreMLS
Mls ID: #22526250