3899 Sterling DrWhitestownIN46075
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow3899 Sterling Dr, Whitestown, IN, 46075 in Whitestown is a top-tier cash-flow asset. At $360,900 it produces $3,058/mo in rent and $785/mo in net monthly income, a 10.17% gross rental yield. The DSCR of 1.88 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $9,422. Five-year appreciation adds $99,710, driving a total cumulative return of $193,906.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 7.0% |
| Monthly Cash Flow | $785 | $300 |
City averages based on Whitestown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,058 |
| Total Monthly Debt Service | $2,023 |
| DSCR Ratio | 1.51x |
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 2025
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46075, Whitestown, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,145 (100%) |
| Owner Occupied HU | 4,055 (78.8%) |
| Renter Occupied HU | 817 (15.9%) |
| Vacant Housing Units | 273 ( 5.3%) |
| Median Home Value | $337,077 |
| Average Home Value | $439,138 |
Housing Distribution
Address Breakdown
Residential
4,960
Single Family
4,549
Multi-Family
411
Businesses
251
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 2025
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46075, Whitestown, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,145 (100%) |
| Owner Occupied HU | 4,055 (78.8%) |
| Renter Occupied HU | 817 (15.9%) |
| Vacant Housing Units | 273 ( 5.3%) |
| Median Home Value | $337,077 |
| Average Home Value | $439,138 |
Housing Distribution
Address Breakdown
Residential
4,960
Single Family
4,549
Multi-Family
411
Businesses
251
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Kleinke • Pulte Realty of Indiana, LLC
Mls Name: MIBOR as distributed by MLS GRID
Mls ID: #22084935