197 Benjamin StreetToms RiverNJ08755
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play197 Benjamin Street, Toms River, NJ, 08755 in Toms River is priced for appreciation, not yield. Rental yield 3.63%. At $1,999,999 with a 3.63% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $552,563 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.67) 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: $236,291.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 5.5% |
| Monthly Cash Flow | $(8,243) | $1,850 |
City averages based on Toms River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,046 |
| Total Monthly Debt Service | $13,493 |
| DSCR Ratio | 0.45x |
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 2004
0.39 Acres lot
$N/A/sqft
$400 annually HOA
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 2004
0.39 Acres lot
$N/A/sqft
$400 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David Lazaro • Keller Williams Shore Properties
Mls Name: MoreMLS
Mls Provider:
Mls ID: #22607064
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