5 Oak LanePine BrookNJ07058
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 5 Oak Lane, Pine Brook, NJ, 07058 in Pine Brook at $849,900. Rental yield 6.95%. The 6.95% yield and 1.29 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $234,812 by year five, and $7,828/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $252,421.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.2% |
| Monthly Cash Flow | $(1,139) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,919 |
| Total Monthly Debt Service | $5,720 |
| DSCR Ratio | 0.86x |
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 1959
0.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07058, Pine Brook, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,672 (100%) |
| Owner Occupied HU | 1,160 (43.4%) |
| Renter Occupied HU | 995 (37.2%) |
| Vacant Housing Units | 517 (19.3%) |
| Median Home Value | $701,412 |
| Average Home Value | $722,425 |
Housing Distribution
Address Breakdown
Residential
1,984
Single Family
1,984
Multi-Family
0
Businesses
403
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 1959
0.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07058, Pine Brook, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,672 (100%) |
| Owner Occupied HU | 1,160 (43.4%) |
| Renter Occupied HU | 995 (37.2%) |
| Vacant Housing Units | 517 (19.3%) |
| Median Home Value | $701,412 |
| Average Home Value | $722,425 |
Housing Distribution
Address Breakdown
Residential
1,984
Single Family
1,984
Multi-Family
0
Businesses
403
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: GSMLS
Mls ID: #4028577