319 Cypress LnHamiltonNJ08619
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder319 Cypress Ln, Hamilton, NJ, 08619 in Hamilton is a stable, well-positioned rental at $678,800. Rental yield 7.48%. DSCR 1.39 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $187,540 in value and $6,252/yr in principal paydown builds equity, a total projected return of $221,196.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.5% |
| Monthly Cash Flow | $(606) | $12,000 |
City averages based on Hamilton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,232 |
| Total Monthly Debt Service | $4,568 |
| DSCR Ratio | 0.93x |
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.
Single Family
Built in 2016
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08619, Trenton, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,063 (100%) |
| Owner Occupied HU | 6,489 (64.5%) |
| Renter Occupied HU | 3,101 (30.8%) |
| Vacant Housing Units | 473 ( 4.7%) |
| Median Home Value | $395,121 |
| Average Home Value | $421,739 |
Housing Distribution
Address Breakdown
Residential
9,859
Single Family
9,244
Multi-Family
615
Businesses
1,088
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 2016
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08619, Trenton, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,063 (100%) |
| Owner Occupied HU | 6,489 (64.5%) |
| Renter Occupied HU | 3,101 (30.8%) |
| Vacant Housing Units | 473 ( 4.7%) |
| Median Home Value | $395,121 |
| Average Home Value | $421,739 |
Housing Distribution
Address Breakdown
Residential
9,859
Single Family
9,244
Multi-Family
615
Businesses
1,088
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christine Barrett • RE/MAX Tri County
Mls Name: Bright MLS
Mls ID: #NJME2068852