521 Piermont Ave APT 112ARiver ValeNJ07675
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 521 Piermont Ave APT 112A, River Vale, NJ, 07675 in River Vale is narrow, $45/mo net on $3,010/mo rent after the $1,870/mo debt service, but the property operates at break-even-plus, not a loss. At $415,950 with a 8.68% yield, the long-run equity case via 5% appreciation ($114,919 over five years) and $3,831/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.61 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $162,387.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $45 | $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 | $3,010 |
| Total Monthly Debt Service | $2,799 |
| 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.
Condo
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07675, Westwood, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,691 (100%) |
| Owner Occupied HU | 8,019 (75.0%) |
| Renter Occupied HU | 2,278 (21.3%) |
| Vacant Housing Units | 394 ( 3.7%) |
| Median Home Value | $726,071 |
| Average Home Value | $800,220 |
Housing Distribution
Address Breakdown
Residential
10,611
Single Family
9,663
Multi-Family
948
Businesses
936
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07675, Westwood, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,691 (100%) |
| Owner Occupied HU | 8,019 (75.0%) |
| Renter Occupied HU | 2,278 (21.3%) |
| Vacant Housing Units | 394 ( 3.7%) |
| Median Home Value | $726,071 |
| Average Home Value | $800,220 |
Housing Distribution
Address Breakdown
Residential
10,611
Single Family
9,663
Multi-Family
948
Businesses
936
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Susan Laskin • Coldwell Banker, Hillsdale
Mls Name: NJMLS
Mls ID: #25025267