5303 Christopher StRamseyNJ07446
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 5303 Christopher St, Ramsey, NJ, 07446 in Ramsey achieves a 1.57 ratio at $269,000: $1,899/mo rent versus $1,210/mo debt service. Rental yield 8.47%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.47% yield compounds alongside 5% annual appreciation projecting $74,320 in value. Total projected cumulative return: $77,557.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $(424) | $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 | $1,899 |
| Total Monthly Debt Service | $2,216 |
| DSCR Ratio | 0.86x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
N/A lot
$N/A/sqft
$406 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07446, Ramsey, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,661 (100%) |
| Owner Occupied HU | 4,617 (81.6%) |
| Renter Occupied HU | 876 (15.5%) |
| Vacant Housing Units | 168 ( 3.0%) |
| Median Home Value | $732,204 |
| Average Home Value | $786,059 |
Housing Distribution
Address Breakdown
Residential
5,623
Single Family
5,518
Multi-Family
105
Businesses
867
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 N/A
N/A lot
$N/A/sqft
$406 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07446, Ramsey, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,661 (100%) |
| Owner Occupied HU | 4,617 (81.6%) |
| Renter Occupied HU | 876 (15.5%) |
| Vacant Housing Units | 168 ( 3.0%) |
| Median Home Value | $732,204 |
| Average Home Value | $786,059 |
Housing Distribution
Address Breakdown
Residential
5,623
Single Family
5,518
Multi-Family
105
Businesses
867
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carolee Chirico • Keller Williams Valley Realty
Mls Name: NJMLS
Mls Provider:
Mls ID: #25009041
Disclaimer: The data relating to the real estate for sale on this web site comes in part from the Internet Data Exchange Program of the NJMLS. Real estate listings held by brokerage firms other than Zillow, Inc. are marked with the Internet Data Exchange logo and information about them includes the name of the listing brokers. Some properties listed with the participating brokers do not appear on this website at the request of the seller. Listings of brokers that do not participate in Internet Data Exchange do not appear on this website. All information deemed reliable but not guaranteed. Last date updated: 2025-03-24 07:48:21 PDT Source: New Jersey Multiple Listing, Inc. 2025 New Jersey Multiple Listing Service Inc. All rights reserved.