637 Bray AvePort MonmouthNJ07758
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Port Monmouth rentals match the income profile of 637 Bray Ave, Port Monmouth, NJ, 07758. Listed at $539,999, gross rent is $4,614/mo and net cash flow is $765/mo, a 10.25% yield well above national averages. DSCR 1.90 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $149,192 by year five with $4,973/yr in annual principal reduction, projecting $256,198 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $765 | $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 | $4,614 |
| Total Monthly Debt Service | $3,634 |
| DSCR Ratio | 1.27x |
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.
Single Family
Built in 1973
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07758, Port Monmouth, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,869 (100%) |
| Owner Occupied HU | 1,529 (81.8%) |
| Renter Occupied HU | 269 (14.4%) |
| Vacant Housing Units | 71 ( 3.8%) |
| Median Home Value | $569,581 |
| Average Home Value | $682,402 |
Housing Distribution
Address Breakdown
Residential
1,856
Single Family
1,748
Multi-Family
108
Businesses
83
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 1973
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07758, Port Monmouth, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,869 (100%) |
| Owner Occupied HU | 1,529 (81.8%) |
| Renter Occupied HU | 269 (14.4%) |
| Vacant Housing Units | 71 ( 3.8%) |
| Median Home Value | $569,581 |
| Average Home Value | $682,402 |
Housing Distribution
Address Breakdown
Residential
1,856
Single Family
1,748
Multi-Family
108
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: All Jersey MLS
Mls ID: #2615343R