301 E Elm StHartingtonNE68739
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $155,000, 301 E Elm St, Hartington, NE, 68739 in Hartington generates $1,080/mo in rent (8.36% yield) but nets only $33/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.55) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $42,824. Total projected return: $61,290.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $33 | $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 | $1,080 |
| Total Monthly Debt Service | $985 |
| DSCR Ratio | 1.10x |
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 1920
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68739, Hartington, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,212 (100%) |
| Owner Occupied HU | 856 (70.6%) |
| Renter Occupied HU | 210 (17.3%) |
| Vacant Housing Units | 146 (12.0%) |
| Median Home Value | $230,159 |
| Average Home Value | $269,790 |
Housing Distribution
Address Breakdown
Residential
927
Single Family
881
Multi-Family
46
Businesses
157
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 1920
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68739, Hartington, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,212 (100%) |
| Owner Occupied HU | 856 (70.6%) |
| Renter Occupied HU | 210 (17.3%) |
| Vacant Housing Units | 146 (12.0%) |
| Median Home Value | $230,159 |
| Average Home Value | $269,790 |
Housing Distribution
Address Breakdown
Residential
927
Single Family
881
Multi-Family
46
Businesses
157
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: GPRMLS
Mls ID: #22606593