48 Valley DriveAtlantic HighlandsNJ07716
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 48 Valley Drive, Atlantic Highlands, NJ, 07716 in Atlantic Highlands worth modelling. At $525,000 with a 8.72% gross yield, the $3,816/mo rent leaves $74/mo after the $2,361/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.62 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $145,048 by year five; $4,835/yr in principal reduction adds further equity. Total projected return: $205,984.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $74 | $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 | $3,816 |
| Total Monthly Debt Service | $3,533 |
| DSCR Ratio | 1.08x |
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 1923
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07716, Atlantic Highlands, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,023 (100%) |
| Owner Occupied HU | 2,544 (63.2%) |
| Renter Occupied HU | 1,216 (30.2%) |
| Vacant Housing Units | 263 ( 6.5%) |
| Median Home Value | $788,732 |
| Average Home Value | $937,284 |
Housing Distribution
Address Breakdown
Residential
3,852
Single Family
3,448
Multi-Family
404
Businesses
343
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 1923
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07716, Atlantic Highlands, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,023 (100%) |
| Owner Occupied HU | 2,544 (63.2%) |
| Renter Occupied HU | 1,216 (30.2%) |
| Vacant Housing Units | 263 ( 6.5%) |
| Median Home Value | $788,732 |
| Average Home Value | $937,284 |
Housing Distribution
Address Breakdown
Residential
3,852
Single Family
3,448
Multi-Family
404
Businesses
343
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nicole M Kelly • Coldwell Banker Realty
Mls Name: MoreMLS
Mls ID: #22527028