19 E Church CtDumontNJ07628
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 19 E Church Ct, Dumont, NJ, 07628 in Dumont at $485,500. Rental yield 6.53%. The 6.53% yield and 1.21 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $134,135 by year five, and $4,472/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $128,298.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.2% |
| Monthly Cash Flow | $(903) | $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 | $2,640 |
| Total Monthly Debt Service | $3,350 |
| DSCR Ratio | 0.79x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07628, Dumont, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,545 (100%) |
| Owner Occupied HU | 4,640 (70.9%) |
| Renter Occupied HU | 1,773 (27.1%) |
| Vacant Housing Units | 132 ( 2.0%) |
| Median Home Value | $525,975 |
| Average Home Value | $564,629 |
Housing Distribution
Address Breakdown
Residential
6,510
Single Family
6,275
Multi-Family
235
Businesses
363
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07628, Dumont, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,545 (100%) |
| Owner Occupied HU | 4,640 (70.9%) |
| Renter Occupied HU | 1,773 (27.1%) |
| Vacant Housing Units | 132 ( 2.0%) |
| Median Home Value | $525,975 |
| Average Home Value | $564,629 |
Housing Distribution
Address Breakdown
Residential
6,510
Single Family
6,275
Multi-Family
235
Businesses
363
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices