1212 4th AveKearneyNE68845
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Kearney rentals match the income profile of 1212 4th Ave, Kearney, NE, 68845. Listed at $299,500, gross rent is $3,214/mo and net cash flow is $1,108/mo, a 12.88% yield well above national averages. DSCR 2.39 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $82,746 by year five with $2,758/yr in annual principal reduction, projecting $185,996 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.9% | 4.2% |
| Monthly Cash Flow | $1,108 | $1,450 |
City averages based on Kearney market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,214 |
| Total Monthly Debt Service | $1,986 |
| DSCR Ratio | 1.62x |
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 1987
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68845, Kearney, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,471 (100%) |
| Owner Occupied HU | 5,062 (53.4%) |
| Renter Occupied HU | 3,801 (40.1%) |
| Vacant Housing Units | 608 ( 6.4%) |
| Median Home Value | $300,740 |
| Average Home Value | $331,883 |
Housing Distribution
Address Breakdown
Residential
9,196
Single Family
8,121
Multi-Family
1,075
Businesses
397
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 1987
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68845, Kearney, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,471 (100%) |
| Owner Occupied HU | 5,062 (53.4%) |
| Renter Occupied HU | 3,801 (40.1%) |
| Vacant Housing Units | 608 ( 6.4%) |
| Median Home Value | $300,740 |
| Average Home Value | $331,883 |
Housing Distribution
Address Breakdown
Residential
9,196
Single Family
8,121
Multi-Family
1,075
Businesses
397
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices