174 Garfield PlMaplewoodNJ07040
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow174 Garfield Pl, Maplewood, NJ, 07040 in Maplewood earns its strong cash-flow label: 12.15% yield, $8,761/mo rent, $2,509/mo net income, DSCR 2.25. The $865,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $238,984 by year five. Combined with $7,967/yr in principal paydown, total projected return reaches $493,323.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 6.2% |
| Monthly Cash Flow | $2,509 | $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 | $8,761 |
| Total Monthly Debt Service | $5,908 |
| 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 1926
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07040, Maplewood, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,229 (100%) |
| Owner Occupied HU | 6,759 (73.2%) |
| Renter Occupied HU | 2,142 (23.2%) |
| Vacant Housing Units | 328 ( 3.6%) |
| Median Home Value | $744,270 |
| Average Home Value | $787,208 |
Housing Distribution
Address Breakdown
Residential
9,038
Single Family
7,357
Multi-Family
1,681
Businesses
879
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 1926
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07040, Maplewood, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,229 (100%) |
| Owner Occupied HU | 6,759 (73.2%) |
| Renter Occupied HU | 2,142 (23.2%) |
| Vacant Housing Units | 328 ( 3.6%) |
| Median Home Value | $744,270 |
| Average Home Value | $787,208 |
Housing Distribution
Address Breakdown
Residential
9,038
Single Family
7,357
Multi-Family
1,681
Businesses
879
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ena Onami • Bhhs Jordan Baris Realty
Mls Name: GSMLS
Mls Provider:
Mls ID: #3967337
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