215 S 3rd StDwightNE68635
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 215 S 3rd St, Dwight, NE, 68635 in Dwight is narrow, $76/mo net on $1,798/mo rent after the $1,147/mo debt service, but the property operates at break-even-plus, not a loss. At $255,000 with a 8.46% yield, the long-run equity case via 5% appreciation ($70,452 over five years) and $2,349/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.57 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $102,227.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $76 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,798 |
| Total Monthly Debt Service | $1,621 |
| DSCR Ratio | 1.11x |
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 1905
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68635, Dwight, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 247 (100%) |
| Owner Occupied HU | 169 (68.4%) |
| Renter Occupied HU | 42 (17.0%) |
| Vacant Housing Units | 36 (14.6%) |
| Median Home Value | $268,750 |
| Average Home Value | $313,905 |
Housing Distribution
Address Breakdown
Residential
125
Single Family
125
Multi-Family
0
Businesses
17
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 1905
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68635, Dwight, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 247 (100%) |
| Owner Occupied HU | 169 (68.4%) |
| Renter Occupied HU | 42 (17.0%) |
| Vacant Housing Units | 36 (14.6%) |
| Median Home Value | $268,750 |
| Average Home Value | $313,905 |
Housing Distribution
Address Breakdown
Residential
125
Single Family
125
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices