205 Wilmer StOsgoodIN47037
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 205 Wilmer St, Osgood, IN, 47037 in Osgood at $184,900 earns $1,220/mo in rent and nets $110/mo after the $831/mo payment, a 7.92% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $51,084 over five years. Ziffy Mortgage underwrites this on a 1.47 DSCR without U.S. credit history. With $1,703/yr in principal paydown, total projected return reaches $77,132.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $110 | $150 |
City averages based on Osgood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,220 |
| Total Monthly Debt Service | $1,036 |
| DSCR Ratio | 1.18x |
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 1956
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47037, Osgood, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,859 (100%) |
| Owner Occupied HU | 1,276 (68.6%) |
| Renter Occupied HU | 415 (22.3%) |
| Vacant Housing Units | 168 ( 9.0%) |
| Median Home Value | $261,161 |
| Average Home Value | $300,121 |
Housing Distribution
Address Breakdown
Residential
1,704
Single Family
1,668
Multi-Family
36
Businesses
105
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 1956
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47037, Osgood, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,859 (100%) |
| Owner Occupied HU | 1,276 (68.6%) |
| Renter Occupied HU | 415 (22.3%) |
| Vacant Housing Units | 168 ( 9.0%) |
| Median Home Value | $261,161 |
| Average Home Value | $300,121 |
Housing Distribution
Address Breakdown
Residential
1,704
Single Family
1,668
Multi-Family
36
Businesses
105
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices