10363 Gum StCynthianaIN47612
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe income profile at 10363 Gum St, Cynthiana, IN, 47612 in Cynthiana is straightforward: $120,900 in, $1,183/mo in rent, $457/mo out after debt service. The 11.74% gross yield and 2.17 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $33,402 by year five. With $1,114/yr in principal equity, the total cumulative return is projected at $75,148.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.0% |
| Monthly Cash Flow | $457 | $800 |
City averages based on Cynthiana market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,183 |
| Total Monthly Debt Service | $678 |
| DSCR Ratio | 1.75x |
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.
Manufactured
Built in 2013
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47612, Cynthiana, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 391 (100%) |
| Owner Occupied HU | 292 (74.7%) |
| Renter Occupied HU | 61 (15.6%) |
| Vacant Housing Units | 38 ( 9.7%) |
| Median Home Value | $197,500 |
| Average Home Value | $192,928 |
Housing Distribution
Address Breakdown
Residential
236
Single Family
236
Multi-Family
0
Businesses
12
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
Manufactured
Built in 2013
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47612, Cynthiana, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 391 (100%) |
| Owner Occupied HU | 292 (74.7%) |
| Renter Occupied HU | 61 (15.6%) |
| Vacant Housing Units | 38 ( 9.7%) |
| Median Home Value | $197,500 |
| Average Home Value | $192,928 |
Housing Distribution
Address Breakdown
Residential
236
Single Family
236
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices