92 Naples PlGarfieldNJ07026
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow92 Naples Pl, Garfield, NJ, 07026 in Garfield earns its strong cash-flow label: 12.96% yield, $4,320/mo rent, $1,469/mo net income, DSCR 2.40. The $400,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $110,513 by year five. Combined with $3,684/yr in principal paydown, total projected return reaches $247,822.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13% | 6.2% |
| Monthly Cash Flow | $1,469 | $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 | $4,320 |
| Total Monthly Debt Service | $2,692 |
| DSCR Ratio | 1.60x |
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.
Multi Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07026, Garfield, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,746 (100%) |
| Owner Occupied HU | 4,740 (37.2%) |
| Renter Occupied HU | 7,345 (57.6%) |
| Vacant Housing Units | 661 ( 5.2%) |
| Median Home Value | $517,466 |
| Average Home Value | $538,461 |
Housing Distribution
Address Breakdown
Residential
10,960
Single Family
9,735
Multi-Family
1,225
Businesses
869
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
Multi Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07026, Garfield, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,746 (100%) |
| Owner Occupied HU | 4,740 (37.2%) |
| Renter Occupied HU | 7,345 (57.6%) |
| Vacant Housing Units | 661 ( 5.2%) |
| Median Home Value | $517,466 |
| Average Home Value | $538,461 |
Housing Distribution
Address Breakdown
Residential
10,960
Single Family
9,735
Multi-Family
1,225
Businesses
869
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NJMLS
Mls ID: #25044145