44 Cambridge EastOxfordNJ07863
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Oxford rental at 44 Cambridge East, Oxford, NJ, 07863 sits in the solid-income band: 11.57% gross yield, $3,085/mo rent, $367/mo net after the $1,438/mo debt service, DSCR 2.15. Entry price of $319,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $88,382 and $2,946/yr in principal reduction bring total cumulative return to $174,443.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.2% |
| Monthly Cash Flow | $367 | $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 | $3,085 |
| Total Monthly Debt Service | $2,153 |
| DSCR Ratio | 1.43x |
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.
Townhouse
Built in 1988
10,454 sqft 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
Townhouse
Built in 1988
10,454 sqft 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
Listed by: N/A • N/A
Mls Name: GSMLS
Mls ID: #4013243