2 Whitesands WayLittle SilverNJ07739
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 2 Whitesands Way, Little Silver, NJ, 07739 in Little Silver earns a 9.77% gross yield at $649,000. Rent of $5,282/mo nets $296/mo after the $2,918/mo mortgage. The 1.81 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $179,307 and $5,977/yr in equity accumulation project a total cumulative return of $269,383.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $296 | $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 | $5,282 |
| Total Monthly Debt Service | $4,728 |
| DSCR Ratio | 1.12x |
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.
Condo
Built in 1985
1.23 Acres lot
$N/A/sqft
$360 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07739, Little Silver, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,317 (100%) |
| Owner Occupied HU | 2,064 (89.1%) |
| Renter Occupied HU | 129 ( 5.6%) |
| Vacant Housing Units | 124 ( 5.4%) |
| Median Home Value | $966,171 |
| Average Home Value | $1,109,014 |
Housing Distribution
Address Breakdown
Residential
2,301
Single Family
2,301
Multi-Family
0
Businesses
313
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
Condo
Built in 1985
1.23 Acres lot
$N/A/sqft
$360 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07739, Little Silver, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,317 (100%) |
| Owner Occupied HU | 2,064 (89.1%) |
| Renter Occupied HU | 129 ( 5.6%) |
| Vacant Housing Units | 124 ( 5.4%) |
| Median Home Value | $966,171 |
| Average Home Value | $1,109,014 |
Housing Distribution
Address Breakdown
Residential
2,301
Single Family
2,301
Multi-Family
0
Businesses
313
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices