25 Cliffview DrLafayetteNJ07848
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 25 Cliffview Dr, Lafayette, NJ, 07848 in Lafayette at $569,000 earns $4,253/mo in rent and nets $197/mo after the $2,559/mo payment, a 8.97% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $157,204 over five years. Ziffy Mortgage underwrites this on a 1.66 DSCR without U.S. credit history. With $5,241/yr in principal paydown, total projected return reaches $230,777.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $197 | $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 | $4,253 |
| Total Monthly Debt Service | $3,829 |
| DSCR Ratio | 1.11x |
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 1984
2.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07848, Lafayette, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,860 (100%) |
| Owner Occupied HU | 1,552 (83.4%) |
| Renter Occupied HU | 242 (13.0%) |
| Vacant Housing Units | 66 ( 3.5%) |
| Median Home Value | $475,159 |
| Average Home Value | $543,935 |
Housing Distribution
Address Breakdown
Residential
1,736
Single Family
1,736
Multi-Family
0
Businesses
177
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 1984
2.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07848, Lafayette, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,860 (100%) |
| Owner Occupied HU | 1,552 (83.4%) |
| Renter Occupied HU | 242 (13.0%) |
| Vacant Housing Units | 66 ( 3.5%) |
| Median Home Value | $475,159 |
| Average Home Value | $543,935 |
Housing Distribution
Address Breakdown
Residential
1,736
Single Family
1,736
Multi-Family
0
Businesses
177
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices