121 Country Club Dr APT 10UnionNJ07083
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe cash-flow margin at 121 Country Club Dr APT 10, Union, NJ, 07083 in Union is narrow, $22/mo net on $3,248/mo rent after the $1,797/mo debt service, but the property operates at break-even-plus, not a loss. At $379,000 with a 10.29% yield, the long-run equity case via 5% appreciation ($104,711 over five years) and $3,177/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.81 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $141,796.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $22 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,248 |
| Total Monthly Debt Service | $3,168 |
| DSCR Ratio | 1.03x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in N/A
N/A lot
$N/A/sqft
$525 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07083, Union, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,858 (100%) |
| Owner Occupied HU | 14,421 (66.0%) |
| Renter Occupied HU | 6,528 (29.9%) |
| Vacant Housing Units | 909 ( 4.2%) |
| Median Home Value | $481,353 |
| Average Home Value | $534,432 |
Housing Distribution
Address Breakdown
Residential
20,999
Single Family
18,269
Multi-Family
2,730
Businesses
2,244
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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
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Listed by: BRIAN S KIM • PROPER ESTATES INC.
Mls Name: HCMLS
Mls ID: #260015255
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.
