37 Whisper Way ELedgewoodNJ07852
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 37 Whisper Way E, Ledgewood, NJ, 07852 in Ledgewood: $2,581/mo in rent, $683/mo net, 15.37% gross yield, all on a $201,500 acquisition. The 2.85 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $55,671 in value, and $1,856/yr in principal paydown steadily builds equity. Projected total cumulative return: $123,179.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 15.4% | 6.2% |
| Monthly Cash Flow | $683 | $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 | $2,581 |
| Total Monthly Debt Service | $1,818 |
| DSCR Ratio | 1.42x |
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 1999
8,276 sqft lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07852, Ledgewood, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,565 (100%) |
| Owner Occupied HU | 1,236 (79.0%) |
| Renter Occupied HU | 286 (18.3%) |
| Vacant Housing Units | 43 ( 2.7%) |
| Median Home Value | $499,682 |
| Average Home Value | $518,746 |
Housing Distribution
Address Breakdown
Residential
1,747
Single Family
1,747
Multi-Family
0
Businesses
260
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 1999
8,276 sqft lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07852, Ledgewood, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,565 (100%) |
| Owner Occupied HU | 1,236 (79.0%) |
| Renter Occupied HU | 286 (18.3%) |
| Vacant Housing Units | 43 ( 2.7%) |
| Median Home Value | $499,682 |
| Average Home Value | $518,746 |
Housing Distribution
Address Breakdown
Residential
1,747
Single Family
1,747
Multi-Family
0
Businesses
260
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A