544 Willow AveScotch PlainsNJ07076
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 544 Willow Ave, Scotch Plains, NJ, 07076 in Scotch Plains. Priced at $430,000, it generates $4,418/mo in gross rent and $1,353/mo in net monthly cash flow, a 12.33% yield that comfortably supports the 2.28 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $16,241. Five-year appreciation: $118,801. Equity from principal paydown: $3,960/yr. Total projected cumulative return: $251,865.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 6.2% |
| Monthly Cash Flow | $1,353 | $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 | $4,418 |
| Total Monthly Debt Service | $2,894 |
| DSCR Ratio | 1.53x |
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 1958
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07076, Scotch Plains, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,413 (100%) |
| Owner Occupied HU | 7,002 (74.4%) |
| Renter Occupied HU | 1,929 (20.5%) |
| Vacant Housing Units | 482 ( 5.1%) |
| Median Home Value | $747,684 |
| Average Home Value | $786,962 |
Housing Distribution
Address Breakdown
Residential
9,143
Single Family
8,866
Multi-Family
277
Businesses
599
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 1958
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07076, Scotch Plains, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,413 (100%) |
| Owner Occupied HU | 7,002 (74.4%) |
| Renter Occupied HU | 1,929 (20.5%) |
| Vacant Housing Units | 482 ( 5.1%) |
| Median Home Value | $747,684 |
| Average Home Value | $786,962 |
Housing Distribution
Address Breakdown
Residential
9,143
Single Family
8,866
Multi-Family
277
Businesses
599
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elizabeth Chacko • Coldwell Banker Realty
Mls Name: GSMLS
Mls ID: #3987323