107 Mill StMiddleburyIN46540








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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


Investment Highlights
Investment property for sale in Middlebury at 107 Mill St, Middlebury, IN, 46540 with 5% annual appreciation on a $175,000 basis while $1,613/mo rent supports operations. Total monthly income totals $1,613/mo and a $857/mo payment preserves $562/mo for cash returns. Annual cash flow comes to $6,744/yr on $58,013 deployed, and return on cash invested reaches 31.53% in year one. Equity gained on principal adds $1,129/yr, and five-year appreciation sums $48,349 alongside rental yield of 11.06%. Five-year ROI measures 165.02% and total cumulative return in cash totals $95,731.
Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $1,613/mo property income versus a $857/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Single Family
Built in 1920
10,367 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46540, Middlebury, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,333 (100%) |
| Owner Occupied HU | 3,498 (80.7%) |
| Renter Occupied HU | 659 (15.2%) |
| Vacant Housing Units | 176 ( 4.1%) |
| Median Home Value | $339,066 |
| Average Home Value | $378,665 |
Housing Distribution
Address Breakdown
Residential
4,197
Single Family
4,157
Multi-Family
40
Businesses
437
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