1803 Gary RoadStewartsvilleNJ08886
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1803 Gary Road, Stewartsville, NJ, 08886 in Stewartsville is priced for appreciation, not yield. Rental yield 2.57%. At $689,000 with a 2.57% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $190,358 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.48) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $41,258.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.2% |
| Monthly Cash Flow | $(3,465) | $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 | $1,474 |
| Total Monthly Debt Service | $4,664 |
| DSCR Ratio | 0.32x |
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 1999
0.29 Acres lot
$N/A/sqft
$330 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08886, Stewartsville, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,556 (100%) |
| Owner Occupied HU | 2,170 (84.9%) |
| Renter Occupied HU | 295 (11.5%) |
| Vacant Housing Units | 91 ( 3.6%) |
| Median Home Value | $470,919 |
| Average Home Value | $485,098 |
Housing Distribution
Address Breakdown
Residential
2,455
Single Family
2,455
Multi-Family
0
Businesses
113
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 1999
0.29 Acres lot
$N/A/sqft
$330 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08886, Stewartsville, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,556 (100%) |
| Owner Occupied HU | 2,170 (84.9%) |
| Renter Occupied HU | 295 (11.5%) |
| Vacant Housing Units | 91 ( 3.6%) |
| Median Home Value | $470,919 |
| Average Home Value | $485,098 |
Housing Distribution
Address Breakdown
Residential
2,455
Single Family
2,455
Multi-Family
0
Businesses
113
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rebecca Meyer • Bhhs Fox & Roach
Mls Name: GSMLS
Mls Provider:
Mls ID: #4022608
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