38 Scranton PkwyOxfordNJ07863
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 38 Scranton Pkwy, Oxford, NJ, 07863 in Oxford at $449,900 earns $3,222/mo in rent and nets $15/mo after the $2,023/mo payment, a 8.59% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $124,299 over five years. Ziffy Mortgage underwrites this on a 1.59 DSCR without U.S. credit history. With $4,144/yr in principal paydown, total projected return reaches $173,439.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $15 | $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 | $3,222 |
| Total Monthly Debt Service | $3,028 |
| DSCR Ratio | 1.06x |
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 1987
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07863, Oxford, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,823 (100%) |
| Owner Occupied HU | 1,461 (80.1%) |
| Renter Occupied HU | 224 (12.3%) |
| Vacant Housing Units | 138 ( 7.6%) |
| Median Home Value | $342,288 |
| Average Home Value | $375,447 |
Housing Distribution
Address Breakdown
Residential
1,627
Single Family
1,627
Multi-Family
0
Businesses
76
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 1987
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07863, Oxford, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,823 (100%) |
| Owner Occupied HU | 1,461 (80.1%) |
| Renter Occupied HU | 224 (12.3%) |
| Vacant Housing Units | 138 ( 7.6%) |
| Median Home Value | $342,288 |
| Average Home Value | $375,447 |
Housing Distribution
Address Breakdown
Residential
1,627
Single Family
1,627
Multi-Family
0
Businesses
76
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices