103 W Elm StCedar BluffsNE68015
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 103 W Elm St, Cedar Bluffs, NE, 68015 in Cedar Bluffs: $1,178/mo in rent, $335/mo in net income, 11.32% gross yield, 2.10 DSCR, all at $124,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $34,508 in appreciation and $1,150/yr in principal paydown projects total cumulative return of $69,178.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.2% |
| Monthly Cash Flow | $335 | $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 | $1,178 |
| Total Monthly Debt Service | $794 |
| DSCR Ratio | 1.48x |
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 1883
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68015, Cedar Bluffs, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 486 (100%) |
| Owner Occupied HU | 343 (70.6%) |
| Renter Occupied HU | 82 (16.9%) |
| Vacant Housing Units | 61 (12.6%) |
| Median Home Value | $224,432 |
| Average Home Value | $240,991 |
Housing Distribution
Address Breakdown
Residential
255
Single Family
255
Multi-Family
0
Businesses
29
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 1883
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68015, Cedar Bluffs, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 486 (100%) |
| Owner Occupied HU | 343 (70.6%) |
| Renter Occupied HU | 82 (16.9%) |
| Vacant Housing Units | 61 (12.6%) |
| Median Home Value | $224,432 |
| Average Home Value | $240,991 |
Housing Distribution
Address Breakdown
Residential
255
Single Family
255
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Libby Headid • Don Peterson & Associates R E
Mls Name: GPRMLS
Mls ID: #22531659