19407 Johnson LnGuilfordIN47022
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play19407 Johnson Ln, Guilford, IN, 47022 in Guilford is priced for appreciation, not yield. Rental yield 3.9%. At $499,000 with a 3.9% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $137,865 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.72) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $100,343.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 6.0% |
| Monthly Cash Flow | $(1,374) | $250 |
City averages based on Guilford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,621 |
| Total Monthly Debt Service | $2,797 |
| DSCR Ratio | 0.58x |
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 1957
30.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47022, Guilford, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,351 (100%) |
| Owner Occupied HU | 1,177 (87.1%) |
| Renter Occupied HU | 132 ( 9.8%) |
| Vacant Housing Units | 42 ( 3.1%) |
| Median Home Value | $307,993 |
| Average Home Value | $381,071 |
Housing Distribution
Address Breakdown
Residential
1,227
Single Family
1,227
Multi-Family
0
Businesses
38
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 1957
30.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47022, Guilford, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,351 (100%) |
| Owner Occupied HU | 1,177 (87.1%) |
| Renter Occupied HU | 132 ( 9.8%) |
| Vacant Housing Units | 42 ( 3.1%) |
| Median Home Value | $307,993 |
| Average Home Value | $381,071 |
Housing Distribution
Address Breakdown
Residential
1,227
Single Family
1,227
Multi-Family
0
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices