778 Harbortown BlvdPerth AmboyNJ08861
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 778 Harbortown Blvd, Perth Amboy, NJ, 08861 in Perth Amboy deserves attention. This $435,000 property earns $3,730/mo in rent, a 10.29% gross yield, and nets $629/mo after the $1,956/mo payment. DSCR 1.91 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $120,182 compounds alongside $4,006/yr in yearly equity build, for a total cumulative return of $207,259.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $629 | $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 | $3,730 |
| Total Monthly Debt Service | $2,928 |
| 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.
Townhouse
Built in 1999
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08861, Perth Amboy, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,371 (100%) |
| Owner Occupied HU | 6,465 (33.4%) |
| Renter Occupied HU | 12,239 (63.2%) |
| Vacant Housing Units | 667 ( 3.4%) |
| Median Home Value | $422,443 |
| Average Home Value | $464,147 |
Housing Distribution
Address Breakdown
Residential
16,845
Single Family
13,515
Multi-Family
3,330
Businesses
1,269
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
Townhouse
Built in 1999
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08861, Perth Amboy, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,371 (100%) |
| Owner Occupied HU | 6,465 (33.4%) |
| Renter Occupied HU | 12,239 (63.2%) |
| Vacant Housing Units | 667 ( 3.4%) |
| Median Home Value | $422,443 |
| Average Home Value | $464,147 |
Housing Distribution
Address Breakdown
Residential
16,845
Single Family
13,515
Multi-Family
3,330
Businesses
1,269
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: #2661485M