125 W Clayton AveClaytonNJ08312
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeCapital preservation and steady income define 125 W Clayton Ave, Clayton, NJ, 08312 in Clayton. Rental yield 8.08%. The 1.42 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $115,762 and $3,512/yr in principal reduction project total return of $142,175.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $(164) | $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 | $2,822 |
| Total Monthly Debt Service | $2,922 |
| DSCR Ratio | 0.97x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1910
9,618 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08312, Clayton, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,335 (100%) |
| Owner Occupied HU | 2,385 (71.5%) |
| Renter Occupied HU | 771 (23.1%) |
| Vacant Housing Units | 179 ( 5.4%) |
| Median Home Value | $284,907 |
| Average Home Value | $297,345 |
Housing Distribution
Address Breakdown
Residential
3,195
Single Family
3,055
Multi-Family
140
Businesses
167
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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: Jackie Capoferri • S. Kelly Real Estate LLC
Mls Name: Bright MLS
Mls ID: #NJGL2061482
