67 N 4Th StPatersonNJ07522
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 67 N 4Th St, Paterson, NJ, 07522 in Paterson earns a 9.88% gross yield at $389,000. Rent of $3,202/mo nets $429/mo after the $1,844/mo mortgage. The 1.74 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $107,474 and $3,261/yr in equity accumulation project a total cumulative return of $169,434.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $429 | $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 | $3,202 |
| Total Monthly Debt Service | $2,713 |
| DSCR Ratio | 1.18x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2001
1,742 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07522, Paterson, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,286 (100%) |
| Owner Occupied HU | 1,532 (21.0%) |
| Renter Occupied HU | 5,353 (73.5%) |
| Vacant Housing Units | 401 ( 5.5%) |
| Median Home Value | $373,239 |
| Average Home Value | $372,182 |
Housing Distribution
Address Breakdown
Residential
6,351
Single Family
5,392
Multi-Family
959
Businesses
289
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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: Williams Flores • Realty Of America
Mls Name: GSMLS
Mls Provider:
Mls ID: #4063111
