39 Clayton AvenueToms RiverNJ08755
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 39 Clayton Avenue, Toms River, NJ, 08755 in Toms River at $440,000 earns $3,229/mo in rent and nets $93/mo after the $1,979/mo payment, a 8.81% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $121,564 over five years. Ziffy Mortgage underwrites this on a 1.63 DSCR without U.S. credit history. With $4,052/yr in principal paydown, total projected return reaches $174,605.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.5% |
| Monthly Cash Flow | $93 | $1,850 |
City averages based on Toms River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,229 |
| Total Monthly Debt Service | $2,961 |
| DSCR Ratio | 1.09x |
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 1955
0.49 Acres lot
$N/A/sqft
No HOA
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 1955
0.49 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dawn Korman • Weichert Realtors-Forked River
Mls Name: MOMLS
Mls ID: #22523522