12 Dina LnSomersetNJ08873
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 12 Dina Ln, Somerset, NJ, 08873 in Somerset worth modelling. At $550,000 with a 8.85% gross yield, the $4,056/mo rent leaves $136/mo after the $2,473/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.64 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $151,955 by year five; $5,066/yr in principal reduction adds further equity. Total projected return: $219,546.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $136 | $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 | $4,056 |
| Total Monthly Debt Service | $3,701 |
| DSCR Ratio | 1.10x |
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.
Townhouse
Built in 2004
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08873, Somerset, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,399 (100%) |
| Owner Occupied HU | 14,076 (62.8%) |
| Renter Occupied HU | 7,273 (32.5%) |
| Vacant Housing Units | 1,050 ( 4.7%) |
| Median Home Value | $507,032 |
| Average Home Value | $561,292 |
Housing Distribution
Address Breakdown
Residential
22,210
Single Family
20,350
Multi-Family
1,860
Businesses
1,471
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
Townhouse
Built in 2004
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08873, Somerset, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,399 (100%) |
| Owner Occupied HU | 14,076 (62.8%) |
| Renter Occupied HU | 7,273 (32.5%) |
| Vacant Housing Units | 1,050 ( 4.7%) |
| Median Home Value | $507,032 |
| Average Home Value | $561,292 |
Housing Distribution
Address Breakdown
Residential
22,210
Single Family
20,350
Multi-Family
1,860
Businesses
1,471
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Poonam Rekhari • Keller Williams Real Estate
Mls Name: GSMLS
Mls ID: #3986780