43 Lime Kiln RdColumbiaNJ07832
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 43 Lime Kiln Rd, Columbia, NJ, 07832 in Columbia. Priced at $120,000, it generates $3,157/mo in gross rent and $1,849/mo in net monthly cash flow, a 31.57% yield that comfortably supports the 5.85 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $22,183. Five-year appreciation: $33,154. Equity from principal paydown: $1,105/yr. Total projected cumulative return: $166,893.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 31.6% | 6.2% |
| Monthly Cash Flow | $1,849 | $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 | $3,157 |
| Total Monthly Debt Service | $1,261 |
| DSCR Ratio | 2.50x |
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 1997
1.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07832, Columbia, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,648 (100%) |
| Owner Occupied HU | 1,337 (81.1%) |
| Renter Occupied HU | 179 (10.9%) |
| Vacant Housing Units | 132 ( 8.0%) |
| Median Home Value | $447,833 |
| Average Home Value | $484,119 |
Housing Distribution
Address Breakdown
Residential
1,419
Single Family
1,419
Multi-Family
0
Businesses
65
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 1997
1.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07832, Columbia, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,648 (100%) |
| Owner Occupied HU | 1,337 (81.1%) |
| Renter Occupied HU | 179 (10.9%) |
| Vacant Housing Units | 132 ( 8.0%) |
| Median Home Value | $447,833 |
| Average Home Value | $484,119 |
Housing Distribution
Address Breakdown
Residential
1,419
Single Family
1,419
Multi-Family
0
Businesses
65
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices