125 Ems B20c LnPiercetonIN46562
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 125 Ems B20c Ln, Pierceton, IN, 46562 in Pierceton is capital appreciation. Rental yield 3.45%. The 3.45% gross yield at $1,299,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $358,890 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.64) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $230,286.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.0% |
| Monthly Cash Flow | $(4,060) | $200 |
City averages based on Pierceton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,738 |
| Total Monthly Debt Service | $7,281 |
| DSCR Ratio | 0.51x |
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 2001
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46562, Pierceton, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,003 (100%) |
| Owner Occupied HU | 1,411 (70.4%) |
| Renter Occupied HU | 315 (15.7%) |
| Vacant Housing Units | 277 (13.8%) |
| Median Home Value | $253,507 |
| Average Home Value | $290,512 |
Housing Distribution
Address Breakdown
Residential
1,844
Single Family
1,844
Multi-Family
0
Businesses
116
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 2001
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46562, Pierceton, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,003 (100%) |
| Owner Occupied HU | 1,411 (70.4%) |
| Renter Occupied HU | 315 (15.7%) |
| Vacant Housing Units | 277 (13.8%) |
| Median Home Value | $253,507 |
| Average Home Value | $290,512 |
Housing Distribution
Address Breakdown
Residential
1,844
Single Family
1,844
Multi-Family
0
Businesses
116
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kimberly Clark • Coldwell Banker Real Estate Group
Mls Name: IRMLS
Mls Provider:
Mls ID: #202439726
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.