134 Dewey AveTotowaNJ07512
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 134 Dewey Ave, Totowa, NJ, 07512 in Totowa achieves a 1.56 ratio at $549,900: $3,854/mo rent versus $2,473/mo debt service. Rental yield 8.41%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.41% yield compounds alongside 5% annual appreciation projecting $151,927 in value. Total projected cumulative return: $206,529.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $(65) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,854 |
| Total Monthly Debt Service | $3,701 |
| DSCR Ratio | 1.04x |
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 1945
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07512, Totowa, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,141 (100%) |
| Owner Occupied HU | 3,269 (78.9%) |
| Renter Occupied HU | 739 (17.8%) |
| Vacant Housing Units | 133 ( 3.2%) |
| Median Home Value | $559,416 |
| Average Home Value | $576,190 |
Housing Distribution
Address Breakdown
Residential
3,994
Single Family
3,928
Multi-Family
66
Businesses
661
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 1945
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07512, Totowa, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,141 (100%) |
| Owner Occupied HU | 3,269 (78.9%) |
| Renter Occupied HU | 739 (17.8%) |
| Vacant Housing Units | 133 ( 3.2%) |
| Median Home Value | $559,416 |
| Average Home Value | $576,190 |
Housing Distribution
Address Breakdown
Residential
3,994
Single Family
3,928
Multi-Family
66
Businesses
661
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeremy P. Ciotola • Compass New Jersey Llc
Mls Name: GSMLS
Mls ID: #3985947