526 Highway 35 SMantolokingNJ08738
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Mantoloking at 526 Highway 35 S, Mantoloking, NJ, 08738 projects strong ROI of -1.2%. Rental yield 1.82%. With 5% annual appreciation, the property builds $607,819 in value over five years. Equity growth combined delivers a projected five-year ROI of 7.76%, translating into $48,215 in total cumulative return on $621,500 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.8% | 6.2% |
| Monthly Cash Flow | $(12,354) | $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 | $3,328 |
| Total Monthly Debt Service | $14,806 |
| DSCR Ratio | 0.22x |
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 2022
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08738, Mantoloking, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,871 (100%) |
| Owner Occupied HU | 462 (24.7%) |
| Renter Occupied HU | 36 ( 1.9%) |
| Vacant Housing Units | 1,373 (73.4%) |
| Median Home Value | $1,404,494 |
| Average Home Value | $1,497,500 |
Housing Distribution
Address Breakdown
Residential
938
Single Family
938
Multi-Family
0
Businesses
40
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 2022
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08738, Mantoloking, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,871 (100%) |
| Owner Occupied HU | 462 (24.7%) |
| Renter Occupied HU | 36 ( 1.9%) |
| Vacant Housing Units | 1,373 (73.4%) |
| Median Home Value | $1,404,494 |
| Average Home Value | $1,497,500 |
Housing Distribution
Address Breakdown
Residential
938
Single Family
938
Multi-Family
0
Businesses
40
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices