4 Liberty CtHowellNJ07731
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 4 Liberty Ct, Howell, NJ, 07731 in Howell achieves a 1.57 ratio at $731,100: $5,148/mo rent versus $3,287/mo debt service. Rental yield 8.45%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.45% yield compounds alongside 5% annual appreciation projecting $201,989 in value. Total projected cumulative return: $252,506.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $(458) | $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 | $5,148 |
| Total Monthly Debt Service | $5,315 |
| DSCR Ratio | 0.97x |
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 1981
7,405 sqft lot
$N/A/sqft
$395 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07731, Howell, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,813 (100%) |
| Owner Occupied HU | 11,773 (85.2%) |
| Renter Occupied HU | 1,630 (11.8%) |
| Vacant Housing Units | 410 ( 3.0%) |
| Median Home Value | $526,294 |
| Average Home Value | $579,372 |
Housing Distribution
Address Breakdown
Residential
13,672
Single Family
13,462
Multi-Family
210
Businesses
875
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 1981
7,405 sqft lot
$N/A/sqft
$395 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07731, Howell, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,813 (100%) |
| Owner Occupied HU | 11,773 (85.2%) |
| Renter Occupied HU | 1,630 (11.8%) |
| Vacant Housing Units | 410 ( 3.0%) |
| Median Home Value | $526,294 |
| Average Home Value | $579,372 |
Housing Distribution
Address Breakdown
Residential
13,672
Single Family
13,462
Multi-Family
210
Businesses
875
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NextHome
Mls Provider:
Mls ID: #22514629