420 Stephanie DrNorth CaldwellNJ07006
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew North Caldwell rentals match the income profile of 420 Stephanie Dr, North Caldwell, NJ, 07006. Listed at $575,000, gross rent is $4,966/mo and net cash flow is $867/mo, a 10.36% yield well above national averages. DSCR 1.92 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $158,862 by year five with $5,296/yr in annual principal reduction, projecting $276,187 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.2% |
| Monthly Cash Flow | $867 | $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 | $4,966 |
| Total Monthly Debt Service | $3,870 |
| DSCR Ratio | 1.28x |
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.
Townhouse
Built in 1980
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07006, Caldwell, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,270 (100%) |
| Owner Occupied HU | 7,543 (73.4%) |
| Renter Occupied HU | 2,341 (22.8%) |
| Vacant Housing Units | 386 ( 3.8%) |
| Median Home Value | $716,642 |
| Average Home Value | $793,495 |
Housing Distribution
Address Breakdown
Residential
10,103
Single Family
8,805
Multi-Family
1,298
Businesses
870
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
Townhouse
Built in 1980
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07006, Caldwell, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,270 (100%) |
| Owner Occupied HU | 7,543 (73.4%) |
| Renter Occupied HU | 2,341 (22.8%) |
| Vacant Housing Units | 386 ( 3.8%) |
| Median Home Value | $716,642 |
| Average Home Value | $793,495 |
Housing Distribution
Address Breakdown
Residential
10,103
Single Family
8,805
Multi-Family
1,298
Businesses
870
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kevin Kinney • Compass New Jersey Llc
Mls Name: GSMLS
Mls ID: #3978060