807 Spruce StCamdenNJ08103
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow807 Spruce St, Camden, NJ, 08103 in Camden is a top-tier cash-flow asset. At $111,700 it produces $1,763/mo in rent and $967/mo in net monthly income, a 18.94% gross rental yield. The DSCR of 3.51 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $11,599. Five-year appreciation adds $30,861, driving a total cumulative return of $105,079.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.9% | 5.2% |
| Monthly Cash Flow | $967 | $420 |
City averages based on Camden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,763 |
| Total Monthly Debt Service | $752 |
| DSCR Ratio | 2.35x |
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 1900
1,498 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08103, Camden, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,101 (100%) |
| Owner Occupied HU | 1,630 (32.0%) |
| Renter Occupied HU | 2,731 (53.5%) |
| Vacant Housing Units | 740 (14.5%) |
| Median Home Value | $101,389 |
| Average Home Value | $175,500 |
Housing Distribution
Address Breakdown
Residential
4,625
Single Family
4,115
Multi-Family
510
Businesses
525
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 1900
1,498 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08103, Camden, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,101 (100%) |
| Owner Occupied HU | 1,630 (32.0%) |
| Renter Occupied HU | 2,731 (53.5%) |
| Vacant Housing Units | 740 (14.5%) |
| Median Home Value | $101,389 |
| Average Home Value | $175,500 |
Housing Distribution
Address Breakdown
Residential
4,625
Single Family
4,115
Multi-Family
510
Businesses
525
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A