108 N Thomas AveOaklandNE68045
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 108 N Thomas Ave, Oakland, NE, 68045 in Oakland speaks for itself: 11.7% gross on a $299,000 price, generating $2,916/mo in rent and $897/mo in net income after the $1,344/mo debt service. DSCR 2.17, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,763 stacks alongside $82,608 in projected five-year appreciation and $2,754/yr in principal reduction. Projected total cumulative return: $171,888.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.2% |
| Monthly Cash Flow | $897 | $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 | $2,916 |
| Total Monthly Debt Service | $1,900 |
| DSCR Ratio | 1.53x |
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 2006
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68045, Oakland, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 838 (100%) |
| Owner Occupied HU | 539 (64.3%) |
| Renter Occupied HU | 219 (26.1%) |
| Vacant Housing Units | 80 ( 9.5%) |
| Median Home Value | $194,758 |
| Average Home Value | $257,161 |
Housing Distribution
Address Breakdown
Residential
782
Single Family
741
Multi-Family
41
Businesses
98
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 2006
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68045, Oakland, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 838 (100%) |
| Owner Occupied HU | 539 (64.3%) |
| Renter Occupied HU | 219 (26.1%) |
| Vacant Housing Units | 80 ( 9.5%) |
| Median Home Value | $194,758 |
| Average Home Value | $257,161 |
Housing Distribution
Address Breakdown
Residential
782
Single Family
741
Multi-Family
41
Businesses
98
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices