1003 S 4th StTerre HauteIN47807
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1003 S 4th St, Terre Haute, IN, 47807 in Terre Haute at $175,000 earns $1,126/mo in rent and nets $75/mo after the $787/mo payment, a 7.72% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $48,349 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $1,612/yr in principal paydown, total projected return reaches $71,109.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.5% |
| Monthly Cash Flow | $75 | $450 |
City averages based on Terre Haute market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,126 |
| Total Monthly Debt Service | $981 |
| DSCR Ratio | 1.15x |
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.
Multi Family
Built in 1880
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47807, Terre Haute, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,184 (100%) |
| Owner Occupied HU | 1,392 (22.5%) |
| Renter Occupied HU | 3,487 (56.4%) |
| Vacant Housing Units | 1,305 (21.1%) |
| Median Home Value | $70,547 |
| Average Home Value | $104,542 |
Housing Distribution
Address Breakdown
Residential
5,957
Single Family
5,024
Multi-Family
933
Businesses
788
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
Multi Family
Built in 1880
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47807, Terre Haute, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,184 (100%) |
| Owner Occupied HU | 1,392 (22.5%) |
| Renter Occupied HU | 3,487 (56.4%) |
| Vacant Housing Units | 1,305 (21.1%) |
| Median Home Value | $70,547 |
| Average Home Value | $104,542 |
Housing Distribution
Address Breakdown
Residential
5,957
Single Family
5,024
Multi-Family
933
Businesses
788
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: IRMLS
Mls ID: #202609736