194 Washington StRocky HillNJ08553
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 194 Washington St, Rocky Hill, NJ, 08553 in Rocky Hill. Rental yield 7.11%. The 1.32 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $165,769 and $5,526/yr in principal reduction project total return of $183,368.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $(723) | $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 | $3,553 |
| Total Monthly Debt Service | $4,038 |
| DSCR Ratio | 0.88x |
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.
Multi Family
Built in 1900
5,741 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08553, Rocky Hill, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 295 (100%) |
| Owner Occupied HU | 213 (72.2%) |
| Renter Occupied HU | 65 (22.0%) |
| Vacant Housing Units | 17 ( 5.8%) |
| Median Home Value | $648,185 |
| Average Home Value | $794,836 |
Housing Distribution
Address Breakdown
Residential
145
Single Family
145
Multi-Family
0
Businesses
101
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
Multi Family
Built in 1900
5,741 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08553, Rocky Hill, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 295 (100%) |
| Owner Occupied HU | 213 (72.2%) |
| Renter Occupied HU | 65 (22.0%) |
| Vacant Housing Units | 17 ( 5.8%) |
| Median Home Value | $648,185 |
| Average Home Value | $794,836 |
Housing Distribution
Address Breakdown
Residential
145
Single Family
145
Multi-Family
0
Businesses
101
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: All Jersey MLS
Mls ID: #2618060R