21 Winding WayUpper Saddle RiverNJ07458
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 21 Winding Way, Upper Saddle River, NJ, 07458 in Upper Saddle River offers a clean, manageable entry. Rental yield 7.19%. DSCR 1.33 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $458,627 in additional property value over five years, with $15,289/yr in principal equity building ownership stake. Total projected cumulative return: $514,477.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $(1,893) | $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 | $9,940 |
| Total Monthly Debt Service | $11,172 |
| DSCR Ratio | 0.89x |
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: Diane Cookson • Compass New Jersey, LLC-Ridgewood
Mls Name: NJMLS
Mls Provider:
Mls ID: #25021434
Disclaimer: The data relating to the real estate for sale on this web site comes in part from the Internet Data Exchange Program of the NJMLS. Real estate listings held by brokerage firms other than Zillow, Inc. are marked with the Internet Data Exchange logo and information about them includes the name of the listing brokers. Some properties listed with the participating brokers do not appear on this website at the request of the seller. Listings of brokers that do not participate in Internet Data Exchange do not appear on this website. All information deemed reliable but not guaranteed. Last date updated: 2025-11-02 02:20:21 PST Source: New Jersey Multiple Listing, Inc. 2025 New Jersey Multiple Listing Service Inc. All rights reserved.