164 Cumberland AveEstell ManorNJ08319
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Estell Manor rentals match the income profile of 164 Cumberland Ave, Estell Manor, NJ, 08319. Listed at $409,000, gross rent is $4,087/mo and net cash flow is $1,172/mo, a 11.99% yield well above national averages. DSCR 2.22 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $112,999 by year five with $3,767/yr in annual principal reduction, projecting $232,177 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.2% |
| Monthly Cash Flow | $1,172 | $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 | $4,087 |
| Total Monthly Debt Service | $2,753 |
| DSCR Ratio | 1.48x |
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 1930
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08319, Estell Manor, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 535 (100%) |
| Owner Occupied HU | 458 (85.6%) |
| Renter Occupied HU | 24 ( 4.5%) |
| Vacant Housing Units | 53 ( 9.9%) |
| Median Home Value | $408,889 |
| Average Home Value | $465,961 |
Housing Distribution
Address Breakdown
Residential
540
Single Family
540
Multi-Family
0
Businesses
15
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 1930
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08319, Estell Manor, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 535 (100%) |
| Owner Occupied HU | 458 (85.6%) |
| Renter Occupied HU | 24 ( 4.5%) |
| Vacant Housing Units | 53 ( 9.9%) |
| Median Home Value | $408,889 |
| Average Home Value | $465,961 |
Housing Distribution
Address Breakdown
Residential
540
Single Family
540
Multi-Family
0
Businesses
15
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jason Myers • Collini Real Estate, LLC
Mls Name: Bright MLS
Mls ID: #NJAC2019698