9 Montgomery AveRocky HillNJ08553
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder9 Montgomery Ave, Rocky Hill, NJ, 08553 in Rocky Hill is a stable, well-positioned rental at $589,000. Rental yield 7%. DSCR 1.23 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $162,730 in value and $4,938/yr in principal paydown builds equity, a total projected return of $165,645.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.2% |
| Monthly Cash Flow | $(762) | $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 | $3,436 |
| Total Monthly Debt Service | $4,108 |
| DSCR Ratio | 0.84x |
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.
Single Family
Built in 1939
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08553, Rocky Hill, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 295 (100%) |
| Owner Occupied HU | 213 (72.2%) |
| Renter Occupied HU | 65 (22.0%) |
| Vacant Housing Units | 17 ( 5.8%) |
| Median Home Value | $648,185 |
| Average Home Value | $794,836 |
Housing Distribution
Address Breakdown
Residential
145
Single Family
145
Multi-Family
0
Businesses
101
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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: Nancy Biancamano • Century 21 Sylvia Geist Agency
Mls Name: GSMLS
Mls Provider:
Mls ID: #4061185
