604 Cooper AveOradellNJ07649
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderRental yield 7.23%. No single metric is exceptional, but the combination offers a durable, low-volatility return profile suitable for risk-conscious global investors. Ziffy Mortgage's mortgage qualifies on DSCR alone, no U.S. credit history required. Five-year appreciation adds $209,974, and $7,000/yr in principal equity projects total return of $237,384.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $(838) | $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 | $4,579 |
| Total Monthly Debt Service | $5,115 |
| DSCR Ratio | 0.90x |
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.
Single Family
Built in 1932
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07649, Oradell, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,816 (100%) |
| Owner Occupied HU | 2,473 (87.8%) |
| Renter Occupied HU | 281 ( 10.0%) |
| Vacant Housing Units | 62 ( 2.2%) |
| Median Home Value | $757,482 |
| Average Home Value | $848,026 |
Housing Distribution
Address Breakdown
Residential
2,825
Single Family
2,718
Multi-Family
107
Businesses
399
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 1932
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07649, Oradell, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,816 (100%) |
| Owner Occupied HU | 2,473 (87.8%) |
| Renter Occupied HU | 281 ( 10.0%) |
| Vacant Housing Units | 62 ( 2.2%) |
| Median Home Value | $757,482 |
| Average Home Value | $848,026 |
Housing Distribution
Address Breakdown
Residential
2,825
Single Family
2,718
Multi-Family
107
Businesses
399
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Barone • Coldwell Banker Realty Rdg
Mls Name: GSMLS
Mls Provider:
Mls ID: #3951909