32 Charlotte AveHamiltonNJ08629
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 32 Charlotte Ave, Hamilton, NJ, 08629 in Hamilton earns a 9.94% gross yield at $305,000. Rent of $2,526/mo nets $352/mo after the $1,371/mo mortgage. The 1.84 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $84,266 and $2,809/yr in equity accumulation project a total cumulative return of $139,586.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.5% |
| Monthly Cash Flow | $352 | $12,000 |
City averages based on Hamilton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,526 |
| Total Monthly Debt Service | $2,053 |
| DSCR Ratio | 1.23x |
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 1930
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08629, Trenton, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,505 (100%) |
| Owner Occupied HU | 2,117 (47.0%) |
| Renter Occupied HU | 2,120 (47.1%) |
| Vacant Housing Units | 268 ( 5.9%) |
| Median Home Value | $184,327 |
| Average Home Value | $359,217 |
Housing Distribution
Address Breakdown
Residential
4,007
Single Family
3,990
Multi-Family
17
Businesses
186
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 1930
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08629, Trenton, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,505 (100%) |
| Owner Occupied HU | 2,117 (47.0%) |
| Renter Occupied HU | 2,120 (47.1%) |
| Vacant Housing Units | 268 ( 5.9%) |
| Median Home Value | $184,327 |
| Average Home Value | $359,217 |
Housing Distribution
Address Breakdown
Residential
4,007
Single Family
3,990
Multi-Family
17
Businesses
186
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mark E Ellis • Ellis Realty Group
Mls Name: GSMLS
Mls Provider:
Mls ID: #3958763
Disclaimer: The data relating to real estate for sale on this website comes in part from the IDX Program of Garden State Multiple Listing Service, L.L.C. Real estate listings held by other brokerage firms are marked as IDX Listing. Information deemed reliable but not guaranteed. Copyright 2025 Garden State Multiple Listing Service, L.L.C. All rights reserved. Notice: The dissemination of listings on this website does not constitute the consent required by N.J.A.C. 11:5.6.1 (n) for the advertisement of listings exclusively for sale by another broker. Any such consent must be obtained in writing from the listing broker.