32 Major StCliftonNJ07013
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 32 Major St, Clifton, NJ, 07013 in Clifton is capital appreciation. Rental yield 5.78%. The 5.78% gross yield at $710,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $196,160 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.07) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $166,485.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.2% |
| Monthly Cash Flow | $(1,642) | $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 | $3,419 |
| Total Monthly Debt Service | $4,778 |
| DSCR Ratio | 0.72x |
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.
Multi Family
Built in 1920
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07013, Clifton, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,346 (100%) |
| Owner Occupied HU | 7,850 (69.2%) |
| Renter Occupied HU | 2,970 (26.2%) |
| Vacant Housing Units | 526 ( 4.6%) |
| Median Home Value | $520,711 |
| Average Home Value | $566,172 |
Housing Distribution
Address Breakdown
Residential
10,926
Single Family
9,819
Multi-Family
1,107
Businesses
893
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
Multi Family
Built in 1920
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07013, Clifton, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,346 (100%) |
| Owner Occupied HU | 7,850 (69.2%) |
| Renter Occupied HU | 2,970 (26.2%) |
| Vacant Housing Units | 526 ( 4.6%) |
| Median Home Value | $520,711 |
| Average Home Value | $566,172 |
Housing Distribution
Address Breakdown
Residential
10,926
Single Family
9,819
Multi-Family
1,107
Businesses
893
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Emanuel Roche • Real
Mls Name: GSMLS
Mls Provider:
Mls ID: #3978123
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