20 Washington AveMount EphraimNJ08059
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 20 Washington Ave, Mount Ephraim, NJ, 08059 in Mount Ephraim fits: $359,000, 4.21% gross yield, and a projected 5% annual appreciation rate adding $99,185 in value within five years. Rental yield 4.21%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.78) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,306/yr in principal paydown and $99,185 in appreciation project a total return of $54,070.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.2% |
| Monthly Cash Flow | $(1,299) | $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 | $1,260 |
| Total Monthly Debt Service | $2,416 |
| DSCR Ratio | 0.52x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1930
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08059, Mount Ephraim, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,530 (100%) |
| Owner Occupied HU | 1,917 (75.8%) |
| Renter Occupied HU | 508 (20.1%) |
| Vacant Housing Units | 105 ( 4.2%) |
| Median Home Value | $273,405 |
| Average Home Value | $312,990 |
Housing Distribution
Address Breakdown
Residential
2,370
Single Family
2,224
Multi-Family
146
Businesses
156
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 1930
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08059, Mount Ephraim, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,530 (100%) |
| Owner Occupied HU | 1,917 (75.8%) |
| Renter Occupied HU | 508 (20.1%) |
| Vacant Housing Units | 105 ( 4.2%) |
| Median Home Value | $273,405 |
| Average Home Value | $312,990 |
Housing Distribution
Address Breakdown
Residential
2,370
Single Family
2,224
Multi-Family
146
Businesses
156
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #NJCD2119444