4406 Galloping Hill LaneToms RiverNJ08755
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 4406 Galloping Hill Lane, Toms River, NJ, 08755 in Toms River clears it at 1.52, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 8.2%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $137,865; $4,596/yr in principal equity; total projected return: $159,611.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.5% |
| Monthly Cash Flow | $(516) | $1,850 |
City averages based on Toms River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,410 |
| Total Monthly Debt Service | $3,728 |
| DSCR Ratio | 0.91x |
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.
Condo
Built in 1998
1,306 sqft lot
$N/A/sqft
$370 monthly 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
Condo
Built in 1998
1,306 sqft lot
$N/A/sqft
$370 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Katelyn Kelly-Pokrywa • C21/ Solid Gold Realty
Mls Name: MOMLS
Mls Provider:
Mls ID: #22511033
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.