104 N Cumberland AveHainesportNJ08036
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 104 N Cumberland Ave, Hainesport, NJ, 08036 in Hainesport: $3,714/mo in rent, $899/mo net, 11.29% gross yield, all on a $394,900 acquisition. The 2.09 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $109,104 in value, and $3,637/yr in principal paydown steadily builds equity. Projected total cumulative return: $209,259.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.2% |
| Monthly Cash Flow | $899 | $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 | $3,714 |
| Total Monthly Debt Service | $2,658 |
| DSCR Ratio | 1.40x |
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 1950
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08036, Hainesport, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,415 (100%) |
| Owner Occupied HU | 2,057 (85.2%) |
| Renter Occupied HU | 241 ( 10.0%) |
| Vacant Housing Units | 117 ( 4.8%) |
| Median Home Value | $497,658 |
| Average Home Value | $562,103 |
Housing Distribution
Address Breakdown
Residential
2,375
Single Family
2,374
Multi-Family
1
Businesses
338
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 1950
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08036, Hainesport, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,415 (100%) |
| Owner Occupied HU | 2,057 (85.2%) |
| Renter Occupied HU | 241 ( 10.0%) |
| Vacant Housing Units | 117 ( 4.8%) |
| Median Home Value | $497,658 |
| Average Home Value | $562,103 |
Housing Distribution
Address Breakdown
Residential
2,375
Single Family
2,374
Multi-Family
1
Businesses
338
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Parisha Smith • Real Broker, LLC
Mls Name: Bright MLS
Mls ID: #NJBL2103622