3 Whitehall CtHillsboroughNJ08844
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 3 Whitehall Ct, Hillsborough, NJ, 08844 in Hillsborough. Priced at $395,000, it generates $3,776/mo in gross rent and $726/mo in net monthly cash flow, a 11.47% yield that comfortably supports the 2.13 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,711. Five-year appreciation: $109,131. Equity from principal paydown: $3,638/yr. Total projected cumulative return: $213,216.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.2% |
| Monthly Cash Flow | $726 | $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 | $3,776 |
| Total Monthly Debt Service | $2,658 |
| DSCR Ratio | 1.42x |
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 1987
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08844, Hillsborough, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,763 (100%) |
| Owner Occupied HU | 12,465 (74.4%) |
| Renter Occupied HU | 3,569 (21.3%) |
| Vacant Housing Units | 729 ( 4.3%) |
| Median Home Value | $604,614 |
| Average Home Value | $650,014 |
Housing Distribution
Address Breakdown
Residential
16,156
Single Family
15,751
Multi-Family
405
Businesses
1,281
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 1987
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 08844, Hillsborough, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,763 (100%) |
| Owner Occupied HU | 12,465 (74.4%) |
| Renter Occupied HU | 3,569 (21.3%) |
| Vacant Housing Units | 729 ( 4.3%) |
| Median Home Value | $604,614 |
| Average Home Value | $650,014 |
Housing Distribution
Address Breakdown
Residential
16,156
Single Family
15,751
Multi-Family
405
Businesses
1,281
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: GSMLS
Mls ID: #4033975