85 Winthrop Road #85FMonroe TownshipNJ08831
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 85 Winthrop Road #85F, Monroe Township, NJ, 08831 in Monroe Township is narrow, $7/mo net on $2,074/mo rent after the $1,304/mo debt service, but the property operates at break-even-plus, not a loss. At $290,000 with a 8.58% yield, the long-run equity case via 5% appreciation ($80,122 over five years) and $2,671/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.59 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $111,632.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.1% |
| Monthly Cash Flow | $7 | $285 |
City averages based on Monroe Township market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,074 |
| Total Monthly Debt Service | $1,952 |
| DSCR Ratio | 1.06x |
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 1993
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08831, Monroe Township, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,207 (100%) |
| Owner Occupied HU | 21,489 (85.3%) |
| Renter Occupied HU | 2,452 ( 9.7%) |
| Vacant Housing Units | 1,266 ( 5.0%) |
| Median Home Value | $593,087 |
| Average Home Value | $608,854 |
Housing Distribution
Address Breakdown
Residential
25,711
Single Family
24,808
Multi-Family
903
Businesses
1,026
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 1993
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08831, Monroe Township, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,207 (100%) |
| Owner Occupied HU | 21,489 (85.3%) |
| Renter Occupied HU | 2,452 ( 9.7%) |
| Vacant Housing Units | 1,266 ( 5.0%) |
| Median Home Value | $593,087 |
| Average Home Value | $608,854 |
Housing Distribution
Address Breakdown
Residential
25,711
Single Family
24,808
Multi-Family
903
Businesses
1,026
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lilly Villar • Berkshire Hathaway HomeServices Fox & Roach - Manalapan
Mls Name: MOMLS
Mls ID: #22523153