910 Thoreau LnWilliamstownNJ08094
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 910 Thoreau Ln, Williamstown, NJ, 08094 in Williamstown delivers $2,426/mo in gross rent and $299/mo in net monthly income at a $279,900 entry. The 10.4% yield and 1.93 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $77,331 over five years and $2,578/yr in equity from loan paydown, total projected return is $134,992.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 5.8% |
| Monthly Cash Flow | $299 | $1,850 |
City averages based on Williamstown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,426 |
| Total Monthly Debt Service | $1,884 |
| DSCR Ratio | 1.29x |
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.
Townhouse
Built in 1991
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08094, Williamstown, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,916 (100%) |
| Owner Occupied HU | 13,113 (77.5%) |
| Renter Occupied HU | 2,989 (17.7%) |
| Vacant Housing Units | 814 ( 4.8%) |
| Median Home Value | $338,345 |
| Average Home Value | $360,444 |
Housing Distribution
Address Breakdown
Residential
16,390
Single Family
15,137
Multi-Family
1,253
Businesses
776
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
Townhouse
Built in 1991
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08094, Williamstown, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,916 (100%) |
| Owner Occupied HU | 13,113 (77.5%) |
| Renter Occupied HU | 2,989 (17.7%) |
| Vacant Housing Units | 814 ( 4.8%) |
| Median Home Value | $338,345 |
| Average Home Value | $360,444 |
Housing Distribution
Address Breakdown
Residential
16,390
Single Family
15,137
Multi-Family
1,253
Businesses
776
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #NJGL2069938