82 Cliffwood Avenue #33CliffwoodNJ07721
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis is a cash-flow-light asset: 82 Cliffwood Avenue #33, Cliffwood, NJ, 07721 in Cliffwood, $414,999, 10.33% gross yield, $128/mo net income. Consider it a market-entry position, the $3,571/mo rent covers the $1,866/mo payment with a margin, and 5%/yr appreciation is projected to add $114,657 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.91) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $198,543.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $128 | $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 | $3,571 |
| Total Monthly Debt Service | $2,793 |
| DSCR Ratio | 1.28x |
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.
Condo
Built in 1988
1.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07721, Cliffwood, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,630 (100%) |
| Owner Occupied HU | 873 (53.6%) |
| Renter Occupied HU | 706 (43.3%) |
| Vacant Housing Units | 51 ( 3.1%) |
| Median Home Value | $440,317 |
| Average Home Value | $547,815 |
Housing Distribution
Address Breakdown
Residential
1,484
Single Family
1,484
Multi-Family
0
Businesses
98
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
Condo
Built in 1988
1.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07721, Cliffwood, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,630 (100%) |
| Owner Occupied HU | 873 (53.6%) |
| Renter Occupied HU | 706 (43.3%) |
| Vacant Housing Units | 51 ( 3.1%) |
| Median Home Value | $440,317 |
| Average Home Value | $547,815 |
Housing Distribution
Address Breakdown
Residential
1,484
Single Family
1,484
Multi-Family
0
Businesses
98
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MoreMLS
Mls ID: #22611702