6 Garden RoadLittle SilverNJ07739
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play6 Garden Road, Little Silver, NJ, 07739 in Little Silver is priced for appreciation, not yield. Rental yield 4.5%. At $1,300,000 with a 4.5% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $359,166 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.83) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $215,650.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.2% |
| Monthly Cash Flow | $(4,391) | $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 | $4,875 |
| Total Monthly Debt Service | $8,749 |
| DSCR Ratio | 0.56x |
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 1928
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07739, Little Silver, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,317 (100%) |
| Owner Occupied HU | 2,064 (89.1%) |
| Renter Occupied HU | 129 ( 5.6%) |
| Vacant Housing Units | 124 ( 5.4%) |
| Median Home Value | $966,171 |
| Average Home Value | $1,109,014 |
Housing Distribution
Address Breakdown
Residential
2,301
Single Family
2,301
Multi-Family
0
Businesses
313
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 1928
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07739, Little Silver, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,317 (100%) |
| Owner Occupied HU | 2,064 (89.1%) |
| Renter Occupied HU | 129 ( 5.6%) |
| Vacant Housing Units | 124 ( 5.4%) |
| Median Home Value | $966,171 |
| Average Home Value | $1,109,014 |
Housing Distribution
Address Breakdown
Residential
2,301
Single Family
2,301
Multi-Family
0
Businesses
313
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Judith Martinelly • Brokers 3 Realtors
Mls Name: MOMLS
Mls Provider:
Mls ID: #22512570
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.