225 Saint Pauls Ave APT 9BJersey CityNJ07306
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 225 Saint Pauls Ave APT 9B, Jersey City, NJ, 07306 in Jersey City: $2,519/mo in rent, $850/mo net, 13.16% gross yield, all on a $229,700 acquisition. The 2.44 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $63,462 in value, and $2,116/yr in principal paydown steadily builds equity. Projected total cumulative return: $142,903.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.2% | 5.1% |
| Monthly Cash Flow | $850 | $1,850 |
City averages based on Jersey City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,519 |
| Total Monthly Debt Service | $1,578 |
| DSCR Ratio | 1.60x |
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.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No 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
Single Family
Built in N/A
N/A lot
$N/A/sqft
No 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: N/A • N/A
Mls Name: HCMLS
Mls ID: #250009276