27 Bogert RdPine BrookNJ07058
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 27 Bogert Rd, Pine Brook, NJ, 07058 in Pine Brook is capital appreciation. Rental yield 4.76%. The 4.76% gross yield at $768,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $212,184 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.88) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $138,311.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.2% |
| Monthly Cash Flow | $(2,425) | $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 | $3,049 |
| Total Monthly Debt Service | $5,169 |
| DSCR Ratio | 0.59x |
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 1963
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07058, Pine Brook, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,672 (100%) |
| Owner Occupied HU | 1,160 (43.4%) |
| Renter Occupied HU | 995 (37.2%) |
| Vacant Housing Units | 517 (19.3%) |
| Median Home Value | $701,412 |
| Average Home Value | $722,425 |
Housing Distribution
Address Breakdown
Residential
1,984
Single Family
1,984
Multi-Family
0
Businesses
403
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 1963
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07058, Pine Brook, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,672 (100%) |
| Owner Occupied HU | 1,160 (43.4%) |
| Renter Occupied HU | 995 (37.2%) |
| Vacant Housing Units | 517 (19.3%) |
| Median Home Value | $701,412 |
| Average Home Value | $722,425 |
Housing Distribution
Address Breakdown
Residential
1,984
Single Family
1,984
Multi-Family
0
Businesses
403
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: GSMLS
Mls ID: #4029658