120 Belton RdRustonLA71270
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 120 Belton Rd, Ruston, LA, 71270 in Ruston earns a 9.35% gross yield at $189,000. Rent of $1,472/mo nets $302/mo after the $850/mo mortgage. The 1.73 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $52,217 and $1,741/yr in equity accumulation project a total cumulative return of $91,091.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.5% |
| Monthly Cash Flow | $302 | $800 |
City averages based on Ruston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,472 |
| Total Monthly Debt Service | $1,096 |
| DSCR Ratio | 1.34x |
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 1977
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71270, Ruston, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,256 (100%) |
| Owner Occupied HU | 6,684 (43.8%) |
| Renter Occupied HU | 6,746 (44.2%) |
| Vacant Housing Units | 1,826 (12.0%) |
| Median Home Value | $233,923 |
| Average Home Value | $263,023 |
Housing Distribution
Address Breakdown
Residential
14,891
Single Family
13,882
Multi-Family
1,009
Businesses
1,277
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 1977
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71270, Ruston, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,256 (100%) |
| Owner Occupied HU | 6,684 (43.8%) |
| Renter Occupied HU | 6,746 (44.2%) |
| Vacant Housing Units | 1,826 (12.0%) |
| Median Home Value | $233,923 |
| Average Home Value | $263,023 |
Housing Distribution
Address Breakdown
Residential
14,891
Single Family
13,882
Multi-Family
1,009
Businesses
1,277
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices