3630 S Hays DrBloomingtonIN47403
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow3630 S Hays Dr, Bloomington, IN, 47403 in Bloomington earns its strong cash-flow label: 10.87% yield, $2,155/mo rent, $727/mo net income, DSCR 2.01. The $238,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $65,755 by year five. Combined with $2,192/yr in principal paydown, total projected return reaches $136,833.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.1% |
| Monthly Cash Flow | $727 | $420 |
City averages based on Bloomington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,155 |
| Total Monthly Debt Service | $1,334 |
| DSCR Ratio | 1.62x |
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 1959
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47403, Bloomington, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,220 (100%) |
| Owner Occupied HU | 8,232 (50.8%) |
| Renter Occupied HU | 6,740 (41.6%) |
| Vacant Housing Units | 1,248 ( 7.7%) |
| Median Home Value | $274,404 |
| Average Home Value | $300,479 |
Housing Distribution
Address Breakdown
Residential
15,959
Single Family
14,167
Multi-Family
1,792
Businesses
591
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 1959
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47403, Bloomington, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,220 (100%) |
| Owner Occupied HU | 8,232 (50.8%) |
| Renter Occupied HU | 6,740 (41.6%) |
| Vacant Housing Units | 1,248 ( 7.7%) |
| Median Home Value | $274,404 |
| Average Home Value | $300,479 |
Housing Distribution
Address Breakdown
Residential
15,959
Single Family
14,167
Multi-Family
1,792
Businesses
591
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Samantha Brummett • Millican Realty
Mls Name: IRMLS
Mls Provider:
Mls ID: #202439450
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.