9 Windsor DrOak RidgeNJ07438
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 9 Windsor Dr, Oak Ridge, NJ, 07438 in Oak Ridge is narrow, $105/mo net on $4,738/mo rent after the $2,922/mo debt service, but the property operates at break-even-plus, not a loss. At $649,900 with a 8.75% yield, the long-run equity case via 5% appreciation ($179,555 over five years) and $5,986/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.62 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $255,914.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $105 | $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 | $4,738 |
| Total Monthly Debt Service | $4,374 |
| DSCR Ratio | 1.08x |
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 1968
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07438, Oak Ridge, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,377 (100%) |
| Owner Occupied HU | 3,700 (84.5%) |
| Renter Occupied HU | 445 (10.2%) |
| Vacant Housing Units | 232 ( 5.3%) |
| Median Home Value | $501,326 |
| Average Home Value | $517,297 |
Housing Distribution
Address Breakdown
Residential
4,272
Single Family
4,222
Multi-Family
50
Businesses
283
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 1968
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07438, Oak Ridge, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,377 (100%) |
| Owner Occupied HU | 3,700 (84.5%) |
| Renter Occupied HU | 445 (10.2%) |
| Vacant Housing Units | 232 ( 5.3%) |
| Median Home Value | $501,326 |
| Average Home Value | $517,297 |
Housing Distribution
Address Breakdown
Residential
4,272
Single Family
4,222
Multi-Family
50
Businesses
283
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lynnse Merfert • Kistle Realty, Llc.
Mls Name: GSMLS
Mls ID: #4006365