20-22-24 POLKTOWN ROADHamptonNJ08827
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 20-22-24 POLKTOWN ROAD, Hampton, NJ, 08827 in Hampton at $879,000, 4.35% gross yield, is a market-growth asset. Rental yield 4.35%. The $3,190/mo rent partially funds the $3,953/mo debt service; the core return is the 5%/yr price growth projected to add $242,851 over five years. Ziffy Mortgage's DSCR mortgage (0.81) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $138,965.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.2% |
| Monthly Cash Flow | $(3,076) | $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 | $3,190 |
| Total Monthly Debt Service | $5,916 |
| DSCR Ratio | 0.54x |
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.
Multi Family
Built in 1951
6.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08827, Hampton, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,970 (100%) |
| Owner Occupied HU | 1,596 (81.0%) |
| Renter Occupied HU | 276 (14.0%) |
| Vacant Housing Units | 98 ( 5.0%) |
| Median Home Value | $504,975 |
| Average Home Value | $534,887 |
Housing Distribution
Address Breakdown
Residential
1,710
Single Family
1,710
Multi-Family
0
Businesses
154
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 1951
6.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08827, Hampton, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,970 (100%) |
| Owner Occupied HU | 1,596 (81.0%) |
| Renter Occupied HU | 276 (14.0%) |
| Vacant Housing Units | 98 ( 5.0%) |
| Median Home Value | $504,975 |
| Average Home Value | $534,887 |
Housing Distribution
Address Breakdown
Residential
1,710
Single Family
1,710
Multi-Family
0
Businesses
154
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Freeman Smith • Coldwell Banker Realty
Mls Name: GSMLS
Mls ID: #4002106