320 N Jefferson StPoncaNE68770
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 320 N Jefferson St, Ponca, NE, 68770 in Ponca at $199,950 earns $1,538/mo in rent and nets $188/mo after the $899/mo payment, a 9.23% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $55,243 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $1,842/yr in principal paydown, total projected return reaches $88,434.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $188 | $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 | $1,538 |
| Total Monthly Debt Service | $1,271 |
| 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 2002
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68770, Ponca, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 698 (100%) |
| Owner Occupied HU | 492 (70.5%) |
| Renter Occupied HU | 113 (16.2%) |
| Vacant Housing Units | 93 (13.3%) |
| Median Home Value | $216,176 |
| Average Home Value | $246,662 |
Housing Distribution
Address Breakdown
Residential
257
Single Family
257
Multi-Family
0
Businesses
59
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 2002
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68770, Ponca, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 698 (100%) |
| Owner Occupied HU | 492 (70.5%) |
| Renter Occupied HU | 113 (16.2%) |
| Vacant Housing Units | 93 (13.3%) |
| Median Home Value | $216,176 |
| Average Home Value | $246,662 |
Housing Distribution
Address Breakdown
Residential
257
Single Family
257
Multi-Family
0
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices