12268 W 107th LnSaint JohnIN46373
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid, durable, and financeable, 12268 W 107th Ln, Saint John, IN, 46373 in Saint John earns a 7.79% gross yield at $564,000. Rent of $3,660/mo nets $262/mo after the $2,536/mo mortgage. The 1.44 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $155,823 and $5,194/yr in equity accumulation project a total cumulative return of $230,347.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $262 | $300 |
City averages based on Saint John market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,660 |
| Total Monthly Debt Service | $3,173 |
| DSCR Ratio | 1.15x |
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 2004
0.34 Acres lot
$N/A/sqft
$145 annually HOA
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 2004
0.34 Acres lot
$N/A/sqft
$145 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Gilbertsen • McColly Real Estate
Mls Name: NIRA
Mls Provider:
Mls ID: #817270
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