550 Central Ave #12DLinwoodNJ08221
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe headline number at 550 Central Ave #12D, Linwood, NJ, 08221 in Linwood is the 1.88 coverage ratio: rent of $3,000/mo versus a $1,600/mo debt payment on a $337,500 property. Rental yield 10.67%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $93,245 by year five, with $2,829/yr in equity from paydown. Total projected cumulative return: $119,893.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $(96) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $3,044 |
| DSCR Ratio | 0.99x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1992
N/A lot
$N/A/sqft
No HOA
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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
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Listed by: MICHELE JACKSON • PLATINUM REAL ESTATE
Mls Name: SJSRMLS
Mls Provider:
Mls ID: #613529
