18 Church St #2High BridgeNJ08829
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 18 Church St #2, High Bridge, NJ, 08829 in High Bridge earns a 9.21% gross yield at $525,000. Rent of $4,029/mo nets $287/mo after the $2,361/mo mortgage. The 1.71 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $145,048 and $4,835/yr in equity accumulation project a total cumulative return of $219,676.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $287 | $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 | $4,029 |
| Total Monthly Debt Service | $3,533 |
| DSCR Ratio | 1.14x |
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.
Multi Family
Built in 1870
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08829, High Bridge, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,527 (100%) |
| Owner Occupied HU | 1,203 (78.8%) |
| Renter Occupied HU | 230 (15.1%) |
| Vacant Housing Units | 94 ( 6.2%) |
| Median Home Value | $346,416 |
| Average Home Value | $365,669 |
Housing Distribution
Address Breakdown
Residential
1,516
Single Family
1,516
Multi-Family
0
Businesses
82
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
Multi Family
Built in 1870
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08829, High Bridge, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,527 (100%) |
| Owner Occupied HU | 1,203 (78.8%) |
| Renter Occupied HU | 230 (15.1%) |
| Vacant Housing Units | 94 ( 6.2%) |
| Median Home Value | $346,416 |
| Average Home Value | $365,669 |
Housing Distribution
Address Breakdown
Residential
1,516
Single Family
1,516
Multi-Family
0
Businesses
82
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: GSMLS
Mls ID: #4022957