225 Saint Paul Ave #9BJersey CityNJ07306
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 225 Saint Paul Ave #9B, Jersey City, NJ, 07306 in Jersey City achieves a 1.89 ratio at $309,999: $2,641/mo rent versus $1,394/mo debt service. Rental yield 10.22%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 10.22% yield compounds alongside 5% annual appreciation projecting $85,647 in value. Total projected cumulative return: $119,340.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 5.1% |
| Monthly Cash Flow | $(23) | $1,850 |
City averages based on Jersey City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,641 |
| Total Monthly Debt Service | $2,540 |
| DSCR Ratio | 1.04x |
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.
Condo
Built in N/A
N/A lot
$N/A/sqft
$454 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07306, Jersey City, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,781 (100%) |
| Owner Occupied HU | 5,055 (17.6%) |
| Renter Occupied HU | 19,877 (69.1%) |
| Vacant Housing Units | 3,849 (13.4%) |
| Median Home Value | $612,577 |
| Average Home Value | $651,621 |
Housing Distribution
Address Breakdown
Residential
24,144
Single Family
9,038
Multi-Family
15,106
Businesses
1,831
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
Condo
Built in N/A
N/A lot
$N/A/sqft
$454 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07306, Jersey City, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,781 (100%) |
| Owner Occupied HU | 5,055 (17.6%) |
| Renter Occupied HU | 19,877 (69.1%) |
| Vacant Housing Units | 3,849 (13.4%) |
| Median Home Value | $612,577 |
| Average Home Value | $651,621 |
Housing Distribution
Address Breakdown
Residential
24,144
Single Family
9,038
Multi-Family
15,106
Businesses
1,831
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Edward Verdel • COMPASS
Mls Name: HCMLS
Mls ID: #250004933
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.