18 Lake RdUpper Saddle RiverNJ07458
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 18 Lake Rd, Upper Saddle River, NJ, 07458 in Upper Saddle River fits: $875,000, 5.37% gross yield, and a projected 5% annual appreciation rate adding $241,746 in value within five years. Rental yield 5.37%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.00) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,059/yr in principal paydown and $241,746 in appreciation project a total return of $185,987.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.2% |
| Monthly Cash Flow | $(2,321) | $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 | $3,916 |
| Total Monthly Debt Service | $5,889 |
| DSCR Ratio | 0.67x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07458, Saddle River, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,439 (100%) |
| Owner Occupied HU | 3,693 (83.2%) |
| Renter Occupied HU | 409 ( 9.2%) |
| Vacant Housing Units | 337 ( 7.6%) |
| Median Home Value | $1,265,134 |
| Average Home Value | $1,367,960 |
Housing Distribution
Address Breakdown
Residential
4,458
Single Family
4,367
Multi-Family
91
Businesses
419
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07458, Saddle River, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,439 (100%) |
| Owner Occupied HU | 3,693 (83.2%) |
| Renter Occupied HU | 409 ( 9.2%) |
| Vacant Housing Units | 337 ( 7.6%) |
| Median Home Value | $1,265,134 |
| Average Home Value | $1,367,960 |
Housing Distribution
Address Breakdown
Residential
4,458
Single Family
4,367
Multi-Family
91
Businesses
419
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NJMLS
Mls ID: #26006387