309 E Thurber StClay CenterNE68933
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 309 E Thurber St, Clay Center, NE, 68933 in Clay Center is narrow, $131/mo net on $1,076/mo rent after the $630/mo debt service, but the property operates at break-even-plus, not a loss. At $140,000 with a 9.22% yield, the long-run equity case via 5% appreciation ($38,679 over five years) and $1,289/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $61,824.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $131 | $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 | $1,076 |
| Total Monthly Debt Service | $890 |
| DSCR Ratio | 1.21x |
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 1940
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68933, Clay Center, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 396 (100%) |
| Owner Occupied HU | 284 (71.7%) |
| Renter Occupied HU | 73 (18.4%) |
| Vacant Housing Units | 39 ( 9.8%) |
| Median Home Value | $166,447 |
| Average Home Value | $201,831 |
Housing Distribution
Address Breakdown
Residential
413
Single Family
405
Multi-Family
8
Businesses
75
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 1940
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68933, Clay Center, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 396 (100%) |
| Owner Occupied HU | 284 (71.7%) |
| Renter Occupied HU | 73 (18.4%) |
| Vacant Housing Units | 39 ( 9.8%) |
| Median Home Value | $166,447 |
| Average Home Value | $201,831 |
Housing Distribution
Address Breakdown
Residential
413
Single Family
405
Multi-Family
8
Businesses
75
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Haylee White • Berkshire Hathaway HomeServices Da-Ly Realty
Mls Name: REALTORS of Greater Mid-Nebraska MLS
Mls ID: #20250203
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.