37 A3 SANDRA CIRCLEWestfieldNJ07090
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.50 makes 37 A3 SANDRA CIRCLE, Westfield, NJ, 07090 in Westfield one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 8.12%. The 8.12% yield, 5% annual appreciation ($75,977 over five years), and $2,533/yr in principal reduction project a total cumulative return of $99,003.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $(1,434) | $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 | $1,861 |
| Total Monthly Debt Service | $1,851 |
| DSCR Ratio | 1.01x |
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 1960
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07090, Westfield, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,991 (100%) |
| Owner Occupied HU | 8,618 (78.4%) |
| Renter Occupied HU | 1,912 (17.4%) |
| Vacant Housing Units | 461 ( 4.2%) |
| Median Home Value | $930,018 |
| Average Home Value | $1,034,058 |
Housing Distribution
Address Breakdown
Residential
11,017
Single Family
10,057
Multi-Family
960
Businesses
823
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 1960
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07090, Westfield, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,991 (100%) |
| Owner Occupied HU | 8,618 (78.4%) |
| Renter Occupied HU | 1,912 (17.4%) |
| Vacant Housing Units | 461 ( 4.2%) |
| Median Home Value | $930,018 |
| Average Home Value | $1,034,058 |
Housing Distribution
Address Breakdown
Residential
11,017
Single Family
10,057
Multi-Family
960
Businesses
823
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jacqueline Mandell • Keller Williams Realty
Mls Name: GSMLS
Mls ID: #4009420