548 James StreetFreeholdNJ07728
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 548 James Street, Freehold, NJ, 07728 in Freehold achieves a 1.66 ratio at $179,900: $1,420/mo rent versus $853/mo debt service. Rental yield 9.47%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 9.47% yield compounds alongside 5% annual appreciation projecting $49,703 in value. Total projected cumulative return: $951.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $(1,087) | $300 |
City averages based on Freehold market data in our database. Property projections are estimates.
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 | $1,420 |
| Total Monthly Debt Service | $2,480 |
| DSCR Ratio | 0.57x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 1976
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07728, Freehold, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,199 (100%) |
| Owner Occupied HU | 15,984 (72.0%) |
| Renter Occupied HU | 5,174 (23.3%) |
| Vacant Housing Units | 1,041 ( 4.7%) |
| Median Home Value | $605,836 |
| Average Home Value | $628,077 |
Housing Distribution
Address Breakdown
Residential
20,840
Single Family
19,700
Multi-Family
1,140
Businesses
2,135
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Suzanne Hope • RE/MAX Homeland Realtors
Mls Name: MoreMLS
Mls Provider:
Mls ID: #22634940
