2146 N 20th StTerre HauteIN47804
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Terre Haute rental at 2146 N 20th St, Terre Haute, IN, 47804 sits in the solid-income band: 12.52% gross yield, $1,147/mo rent, $487/mo net after the $494/mo debt service, DSCR 2.32. Entry price of $109,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $30,363 and $1,012/yr in principal reduction bring total cumulative return to $73,000.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.5% | 7.5% |
| Monthly Cash Flow | $487 | $450 |
City averages based on Terre Haute market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,147 |
| Total Monthly Debt Service | $616 |
| DSCR Ratio | 1.86x |
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 1919
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47804, Terre Haute, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,791 (100%) |
| Owner Occupied HU | 2,447 (51.1%) |
| Renter Occupied HU | 1,735 (36.2%) |
| Vacant Housing Units | 609 (12.7%) |
| Median Home Value | $98,003 |
| Average Home Value | $144,449 |
Housing Distribution
Address Breakdown
Residential
4,612
Single Family
4,271
Multi-Family
341
Businesses
354
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 1919
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47804, Terre Haute, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,791 (100%) |
| Owner Occupied HU | 2,447 (51.1%) |
| Renter Occupied HU | 1,735 (36.2%) |
| Vacant Housing Units | 609 (12.7%) |
| Median Home Value | $98,003 |
| Average Home Value | $144,449 |
Housing Distribution
Address Breakdown
Residential
4,612
Single Family
4,271
Multi-Family
341
Businesses
354
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kevin Wade • Century 21 Classic Realty
Mls Name: IRMLS
Mls Provider:
Mls ID: #202518599
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.