3912 S 600 ELaottoIN46763
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 3912 S 600 E, Laotto, IN, 46763 in Laotto offers a clean, manageable entry. Rental yield 6.53%. DSCR 1.21 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $92,094 in additional property value over five years, with $3,070/yr in principal equity building ownership stake. Total projected cumulative return: $114,102.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 7.0% |
| Monthly Cash Flow | $(187) | $350 |
City averages based on Laotto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,814 |
| Total Monthly Debt Service | $1,868 |
| DSCR Ratio | 0.97x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1977
5.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46763, Laotto, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 725 (100%) |
| Owner Occupied HU | 642 (88.6%) |
| Renter Occupied HU | 64 ( 8.8%) |
| Vacant Housing Units | 19 ( 2.6%) |
| Median Home Value | $277,397 |
| Average Home Value | $355,471 |
Housing Distribution
Address Breakdown
Residential
566
Single Family
566
Multi-Family
0
Businesses
51
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 1977
5.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46763, Laotto, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 725 (100%) |
| Owner Occupied HU | 642 (88.6%) |
| Renter Occupied HU | 64 ( 8.8%) |
| Vacant Housing Units | 19 ( 2.6%) |
| Median Home Value | $277,397 |
| Average Home Value | $355,471 |
Housing Distribution
Address Breakdown
Residential
566
Single Family
566
Multi-Family
0
Businesses
51
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices