205 Joseph LnMine HillNJ07803
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow205 Joseph Ln, Mine Hill, NJ, 07803 in Mine Hill is a top-tier cash-flow asset. At $445,000 it produces $4,296/mo in rent and $650/mo in net monthly income, a 11.58% gross rental yield. The DSCR of 2.15 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $7,801. Five-year appreciation adds $122,945, driving a total cumulative return of $242,930.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.2% |
| Monthly Cash Flow | $650 | $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 | $4,296 |
| Total Monthly Debt Service | $2,995 |
| DSCR Ratio | 1.43x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 1984
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07803, Mine Hill, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,559 (100%) |
| Owner Occupied HU | 1,327 (85.1%) |
| Renter Occupied HU | 198 (12.7%) |
| Vacant Housing Units | 34 ( 2.2%) |
| Median Home Value | $435,732 |
| Average Home Value | $614,286 |
Housing Distribution
Address Breakdown
Residential
1,474
Single Family
1,417
Multi-Family
57
Businesses
81
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
Townhouse
Built in 1984
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07803, Mine Hill, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,559 (100%) |
| Owner Occupied HU | 1,327 (85.1%) |
| Renter Occupied HU | 198 (12.7%) |
| Vacant Housing Units | 34 ( 2.2%) |
| Median Home Value | $435,732 |
| Average Home Value | $614,286 |
Housing Distribution
Address Breakdown
Residential
1,474
Single Family
1,417
Multi-Family
57
Businesses
81
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: GSMLS
Mls ID: #4042864