45 Middle Rose St APT JTrentonNJ08618
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 45 Middle Rose St APT J, Trenton, NJ, 08618 in Trenton at $185,000 earns $1,475/mo in rent and nets $156/mo after the $832/mo payment, a 9.57% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $51,112 over five years. Ziffy Mortgage underwrites this on a 1.77 DSCR without U.S. credit history. With $1,704/yr in principal paydown, total projected return reaches $80,969.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.8% |
| Monthly Cash Flow | $156 | $1,850 |
City averages based on Trenton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,475 |
| Total Monthly Debt Service | $1,245 |
| DSCR Ratio | 1.18x |
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 1990
922 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08618, Trenton, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,741 (100%) |
| Owner Occupied HU | 5,649 (35.9%) |
| Renter Occupied HU | 8,035 (51.0%) |
| Vacant Housing Units | 2,057 (13.1%) |
| Median Home Value | $244,052 |
| Average Home Value | $307,479 |
Housing Distribution
Address Breakdown
Residential
14,218
Single Family
11,289
Multi-Family
2,929
Businesses
565
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 1990
922 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08618, Trenton, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,741 (100%) |
| Owner Occupied HU | 5,649 (35.9%) |
| Renter Occupied HU | 8,035 (51.0%) |
| Vacant Housing Units | 2,057 (13.1%) |
| Median Home Value | $244,052 |
| Average Home Value | $307,479 |
Housing Distribution
Address Breakdown
Residential
14,218
Single Family
11,289
Multi-Family
2,929
Businesses
565
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tawana Riggins • The Riggins Group LLC
Mls Name: Bright MLS
Mls ID: #NJME2070384