12511 Schirra CirPapillionNE68046
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 12511 Schirra Cir, Papillion, NE, 68046 in Papillion worth study. Rental yield 4.89%. The 4.89% gross yield is below cash-flow benchmarks at $562,000, but 5% annual appreciation, adding $155,270 over five years, frames this as a capital growth position. Rent of $2,291/mo partially offsets the $2,527/mo payment. Ziffy Mortgage finances appreciation-play properties (0.91 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $117,706.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.2% |
| Monthly Cash Flow | $(1,529) | $420 |
City averages based on Papillion market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,291 |
| Total Monthly Debt Service | $3,571 |
| DSCR Ratio | 0.64x |
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 2026
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68046, Papillion, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,819 (100%) |
| Owner Occupied HU | 9,600 (69.5%) |
| Renter Occupied HU | 3,757 (27.2%) |
| Vacant Housing Units | 462 ( 3.3%) |
| Median Home Value | $361,415 |
| Average Home Value | $380,980 |
Housing Distribution
Address Breakdown
Residential
13,810
Single Family
12,128
Multi-Family
1,682
Businesses
889
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 2026
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68046, Papillion, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,819 (100%) |
| Owner Occupied HU | 9,600 (69.5%) |
| Renter Occupied HU | 3,757 (27.2%) |
| Vacant Housing Units | 462 ( 3.3%) |
| Median Home Value | $361,415 |
| Average Home Value | $380,980 |
Housing Distribution
Address Breakdown
Residential
13,810
Single Family
12,128
Multi-Family
1,682
Businesses
889
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices