174 South StJersey CityNJ07307
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 174 South St, Jersey City, NJ, 07307 in Jersey City at $625,000, 3.57% gross yield, is a market-growth asset. Rental yield 3.57%. The $1,859/mo rent partially funds the $2,963/mo debt service; the core return is the 5%/yr price growth projected to add $172,676 over five years. Ziffy Mortgage's DSCR mortgage (0.63) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $60,761.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 5.1% |
| Monthly Cash Flow | $(2,596) | $1,850 |
City averages based on Jersey City market data in our database. Property projections are estimates.
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 | $1,859 |
| Total Monthly Debt Service | $4,359 |
| DSCR Ratio | 0.43x |
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 1885
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07307, Jersey City, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,616 (100%) |
| Owner Occupied HU | 5,040 (27.1%) |
| Renter Occupied HU | 11,915 (64.0%) |
| Vacant Housing Units | 1,661 ( 8.9%) |
| Median Home Value | $675,535 |
| Average Home Value | $688,876 |
Housing Distribution
Address Breakdown
Residential
16,091
Single Family
8,649
Multi-Family
7,442
Businesses
832
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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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Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: HCMLS
Mls ID: #260017196
