327 N 1st StSurf CityNJ08008
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 327 N 1st St, Surf City, NJ, 08008 in Surf City achieves 1.54, rent of $7,955/mo covers the $5,167/mo payment 1.5x over at $1,149,000. Rental yield 8.31%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $317,448 over five years, with $10,582/yr in principal reduction bringing total projected return to $425,230.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $(235) | $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 | $7,955 |
| Total Monthly Debt Service | $7,733 |
| DSCR Ratio | 1.03x |
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.
Single Family
Built in 1968
5,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08008, Beach Haven, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,536 (100%) |
| Owner Occupied HU | 3,172 (18.1%) |
| Renter Occupied HU | 428 ( 2.4%) |
| Vacant Housing Units | 13,936 (79.5%) |
| Median Home Value | $990,030 |
| Average Home Value | $1,171,197 |
Housing Distribution
Address Breakdown
Residential
4,561
Single Family
4,552
Multi-Family
9
Businesses
605
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 1968
5,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08008, Beach Haven, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,536 (100%) |
| Owner Occupied HU | 3,172 (18.1%) |
| Renter Occupied HU | 428 ( 2.4%) |
| Vacant Housing Units | 13,936 (79.5%) |
| Median Home Value | $990,030 |
| Average Home Value | $1,171,197 |
Housing Distribution
Address Breakdown
Residential
4,561
Single Family
4,552
Multi-Family
9
Businesses
605
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices