108 Orchard StCambridge CityIN47327
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 108 Orchard St, Cambridge City, IN, 47327 in Cambridge City deserves attention. This $152,900 property earns $1,448/mo in rent, a 11.37% gross yield, and nets $531/mo after the $688/mo payment. DSCR 2.10 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $42,243 compounds alongside $1,408/yr in yearly equity build, for a total cumulative return of $91,968.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 7.0% |
| Monthly Cash Flow | $531 | $1,300 |
City averages based on Cambridge City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,448 |
| Total Monthly Debt Service | $857 |
| DSCR Ratio | 1.69x |
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 1949
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47327, Cambridge City, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,327 (100%) |
| Owner Occupied HU | 1,565 (67.3%) |
| Renter Occupied HU | 535 (23.0%) |
| Vacant Housing Units | 227 ( 9.8%) |
| Median Home Value | $178,159 |
| Average Home Value | $225,029 |
Housing Distribution
Address Breakdown
Residential
1,738
Single Family
1,657
Multi-Family
81
Businesses
152
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 1949
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47327, Cambridge City, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,327 (100%) |
| Owner Occupied HU | 1,565 (67.3%) |
| Renter Occupied HU | 535 (23.0%) |
| Vacant Housing Units | 227 ( 9.8%) |
| Median Home Value | $178,159 |
| Average Home Value | $225,029 |
Housing Distribution
Address Breakdown
Residential
1,738
Single Family
1,657
Multi-Family
81
Businesses
152
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Walton • Coldwell Banker Lingle
Mls Name: RLMS
Mls ID: #10052028