4129 North Lunar DriveJanesvilleWI53546
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.34% yield at 4129 North Lunar Drive, Janesville, WI, 53546 in Janesville is solid, but the $1,826/mo payment compresses net cash flow to $95/mo at $405,990. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $112,168 by year five, and $3,739/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.54) without U.S. income documentation. Total projected return: $161,013.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 4.9% |
| Monthly Cash Flow | $95 | $285 |
City averages based on Janesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,820 |
| Total Monthly Debt Service | $2,563 |
| DSCR Ratio | 1.10x |
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
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 53546, Janesville, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,728 (100%) |
| Owner Occupied HU | 9,801 (71.4%) |
| Renter Occupied HU | 3,480 (25.3%) |
| Vacant Housing Units | 447 ( 3.3%) |
| Median Home Value | $265,858 |
| Average Home Value | $274,556 |
Housing Distribution
Address Breakdown
Residential
13,331
Single Family
12,324
Multi-Family
1,007
Businesses
608
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
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 53546, Janesville, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,728 (100%) |
| Owner Occupied HU | 9,801 (71.4%) |
| Renter Occupied HU | 3,480 (25.3%) |
| Vacant Housing Units | 447 ( 3.3%) |
| Median Home Value | $265,858 |
| Average Home Value | $274,556 |
Housing Distribution
Address Breakdown
Residential
13,331
Single Family
12,324
Multi-Family
1,007
Businesses
608
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices