16730 Pear RdCulverIN46511
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 16730 Pear Rd, Culver, IN, 46511 in Culver: $1,156/mo in rent, $262/mo in net income, 9.31% gross yield, 1.73 DSCR, all at $149,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $41,166 in appreciation and $1,372/yr in principal paydown projects total cumulative return of $73,216.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.0% |
| Monthly Cash Flow | $262 | $300 |
City averages based on Culver market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,156 |
| Total Monthly Debt Service | $835 |
| DSCR Ratio | 1.38x |
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 1900
2.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46511, Culver, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,586 (100%) |
| Owner Occupied HU | 1,377 (53.2%) |
| Renter Occupied HU | 351 (13.6%) |
| Vacant Housing Units | 858 (33.2%) |
| Median Home Value | $281,641 |
| Average Home Value | $400,922 |
Housing Distribution
Address Breakdown
Residential
2,267
Single Family
2,185
Multi-Family
82
Businesses
144
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 1900
2.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46511, Culver, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,586 (100%) |
| Owner Occupied HU | 1,377 (53.2%) |
| Renter Occupied HU | 351 (13.6%) |
| Vacant Housing Units | 858 (33.2%) |
| Median Home Value | $281,641 |
| Average Home Value | $400,922 |
Housing Distribution
Address Breakdown
Residential
2,267
Single Family
2,185
Multi-Family
82
Businesses
144
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices