305 School StCarlinNV89822
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 305 School St, Carlin, NV, 89822 in Carlin is narrow, $116/mo net on $1,358/mo rent after the $967/mo debt service, but the property operates at break-even-plus, not a loss. At $215,000 with a 7.58% yield, the long-run equity case via 5% appreciation ($59,401 over five years) and $1,980/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $88,636.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $116 | $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 | $1,358 |
| Total Monthly Debt Service | $1,157 |
| DSCR Ratio | 1.17x |
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.
Manufactured
Built in 1978
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 89822, Carlin, NV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 917 (100%) |
| Owner Occupied HU | 555 (60.5%) |
| Renter Occupied HU | 256 (27.9%) |
| Vacant Housing Units | 106 (11.6%) |
| Median Home Value | $295,313 |
| Average Home Value | $392,041 |
Housing Distribution
Address Breakdown
Residential
31
Single Family
31
Multi-Family
0
Businesses
69
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
Manufactured
Built in 1978
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 89822, Carlin, NV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 917 (100%) |
| Owner Occupied HU | 555 (60.5%) |
| Renter Occupied HU | 256 (27.9%) |
| Vacant Housing Units | 106 (11.6%) |
| Median Home Value | $295,313 |
| Average Home Value | $392,041 |
Housing Distribution
Address Breakdown
Residential
31
Single Family
31
Multi-Family
0
Businesses
69
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Susan Marie Strong • Coldwell Banker Excel
Mls Name: ECMLS
Mls ID: #3626175
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. The listing brokers offer of compensation is made only to participants of the MLS where the listing is filed.