4037 River RdGilbertLA71336
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 4037 River Rd, Gilbert, LA, 71336 in Gilbert: $1,276/mo in rent, $359/mo in net income, 10.34% gross yield, 1.92 DSCR, all at $148,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $40,890 in appreciation and $1,363/yr in principal paydown projects total cumulative return of $79,235.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 7.0% |
| Monthly Cash Flow | $359 | $400 |
City averages based on Gilbert market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,276 |
| Total Monthly Debt Service | $858 |
| DSCR Ratio | 1.49x |
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 1978
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71336, Gilbert, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 865 (100%) |
| Owner Occupied HU | 548 (63.4%) |
| Renter Occupied HU | 140 (16.2%) |
| Vacant Housing Units | 177 (20.5%) |
| Median Home Value | $168,750 |
| Average Home Value | $195,242 |
Housing Distribution
Address Breakdown
Residential
496
Single Family
482
Multi-Family
14
Businesses
38
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 1978
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71336, Gilbert, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 865 (100%) |
| Owner Occupied HU | 548 (63.4%) |
| Renter Occupied HU | 140 (16.2%) |
| Vacant Housing Units | 177 (20.5%) |
| Median Home Value | $168,750 |
| Average Home Value | $195,242 |
Housing Distribution
Address Breakdown
Residential
496
Single Family
482
Multi-Family
14
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices