520 S Main StWilliamstownNJ08094
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 520 S Main St, Williamstown, NJ, 08094 in Williamstown speaks for itself: 12.96% gross on a $400,000 price, generating $4,320/mo in rent and $1,469/mo in net income after the $1,799/mo debt service. DSCR 2.40, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $17,626 stacks alongside $110,513 in projected five-year appreciation and $3,684/yr in principal reduction. Projected total cumulative return: $247,822.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13% | 5.8% |
| Monthly Cash Flow | $1,469 | $1,850 |
City averages based on Williamstown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,320 |
| Total Monthly Debt Service | $2,692 |
| DSCR Ratio | 1.60x |
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.
Multi Family
Built in 1900
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08094, Williamstown, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,916 (100%) |
| Owner Occupied HU | 13,113 (77.5%) |
| Renter Occupied HU | 2,989 (17.7%) |
| Vacant Housing Units | 814 ( 4.8%) |
| Median Home Value | $338,345 |
| Average Home Value | $360,444 |
Housing Distribution
Address Breakdown
Residential
16,390
Single Family
15,137
Multi-Family
1,253
Businesses
776
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 1900
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08094, Williamstown, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,916 (100%) |
| Owner Occupied HU | 13,113 (77.5%) |
| Renter Occupied HU | 2,989 (17.7%) |
| Vacant Housing Units | 814 ( 4.8%) |
| Median Home Value | $338,345 |
| Average Home Value | $360,444 |
Housing Distribution
Address Breakdown
Residential
16,390
Single Family
15,137
Multi-Family
1,253
Businesses
776
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sharita Rivera • Rivera Realty, LLC
Mls Name: Bright MLS
Mls ID: #NJGL2061752