109 Oak Cir WMilfordNE68405
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 109 Oak Cir W, Milford, NE, 68405 in Milford offers a clean, manageable entry. Rental yield 7.21%. DSCR 1.34 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $124,327 in additional property value over five years, with $4,145/yr in principal equity building ownership stake. Total projected cumulative return: $150,300.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $(334) | $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 | $2,705 |
| Total Monthly Debt Service | $2,860 |
| DSCR Ratio | 0.95x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2002
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68405, Milford, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,366 (100%) |
| Owner Occupied HU | 893 (65.4%) |
| Renter Occupied HU | 369 (27.0%) |
| Vacant Housing Units | 104 ( 7.6%) |
| Median Home Value | $256,473 |
| Average Home Value | $291,716 |
Housing Distribution
Address Breakdown
Residential
1,057
Single Family
1,034
Multi-Family
23
Businesses
87
Nearby investment properties with comparable rents
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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
Single Family
Built in 2002
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68405, Milford, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,366 (100%) |
| Owner Occupied HU | 893 (65.4%) |
| Renter Occupied HU | 369 (27.0%) |
| Vacant Housing Units | 104 ( 7.6%) |
| Median Home Value | $256,473 |
| Average Home Value | $291,716 |
Housing Distribution
Address Breakdown
Residential
1,057
Single Family
1,034
Multi-Family
23
Businesses
87
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices