105 Chambers StPhillipsburgNJ08865
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 105 Chambers St, Phillipsburg, NJ, 08865 in Phillipsburg clears it at 1.57, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 8.08%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $60,506; $2,017/yr in principal equity; total projected return: $82,702.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $(90) | $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 | $1,542 |
| Total Monthly Debt Service | $1,474 |
| DSCR Ratio | 1.05x |
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 1900
1,829 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08865, Phillipsburg, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,971 (100%) |
| Owner Occupied HU | 8,218 (58.8%) |
| Renter Occupied HU | 4,701 (33.6%) |
| Vacant Housing Units | 1,052 ( 7.5%) |
| Median Home Value | $297,026 |
| Average Home Value | $341,089 |
Housing Distribution
Address Breakdown
Residential
13,141
Single Family
12,639
Multi-Family
502
Businesses
908
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 1900
1,829 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08865, Phillipsburg, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,971 (100%) |
| Owner Occupied HU | 8,218 (58.8%) |
| Renter Occupied HU | 4,701 (33.6%) |
| Vacant Housing Units | 1,052 ( 7.5%) |
| Median Home Value | $297,026 |
| Average Home Value | $341,089 |
Housing Distribution
Address Breakdown
Residential
13,141
Single Family
12,639
Multi-Family
502
Businesses
908
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: JoAnn Stettner-Moser • Weichert Co Realtors
Mls Name: GLVR
Mls Provider:
Mls ID: #760114
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.