2186 Buildable Plan, Kinser RidgeBloomingtonIN47404
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 2186 Buildable Plan, Kinser Ridge, Bloomington, IN, 47404 in Bloomington speaks for itself: 11.77% gross on a $321,900 price, generating $3,156/mo in rent and $1,224/mo in net income after the $1,447/mo debt service. DSCR 2.18, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,684 stacks alongside $88,935 in projected five-year appreciation and $2,965/yr in principal reduction. Projected total cumulative return: $200,612.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.1% |
| Monthly Cash Flow | $1,224 | $420 |
City averages based on Bloomington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,156 |
| Total Monthly Debt Service | $1,804 |
| DSCR Ratio | 1.75x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47404, Bloomington, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,508 (100%) |
| Owner Occupied HU | 5,797 (50.4%) |
| Renter Occupied HU | 4,856 (42.2%) |
| Vacant Housing Units | 855 ( 7.4%) |
| Median Home Value | $291,166 |
| Average Home Value | $319,856 |
Housing Distribution
Address Breakdown
Residential
12,027
Single Family
10,201
Multi-Family
1,826
Businesses
1,249
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47404, Bloomington, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,508 (100%) |
| Owner Occupied HU | 5,797 (50.4%) |
| Renter Occupied HU | 4,856 (42.2%) |
| Vacant Housing Units | 855 ( 7.4%) |
| Median Home Value | $291,166 |
| Average Home Value | $319,856 |
Housing Distribution
Address Breakdown
Residential
12,027
Single Family
10,201
Multi-Family
1,826
Businesses
1,249
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Beacon Builders LLC
Mls Name: Beacon Builders LLC
Mls ID: #N/A