430 Eagle Pass DrOsceolaIN46561
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 430 Eagle Pass Dr, Osceola, IN, 46561 in Osceola is narrow, $146/mo net on $2,511/mo rent after the $1,772/mo debt service, but the property operates at break-even-plus, not a loss. At $394,000 with a 7.65% yield, the long-run equity case via 5% appreciation ($108,855 over five years) and $3,629/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $158,479.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.0% |
| Monthly Cash Flow | $146 | $300 |
City averages based on Osceola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,511 |
| Total Monthly Debt Service | $2,208 |
| DSCR Ratio | 1.14x |
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 2005
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46561, Osceola, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,010 (100%) |
| Owner Occupied HU | 4,235 (84.5%) |
| Renter Occupied HU | 635 (12.7%) |
| Vacant Housing Units | 140 ( 2.8%) |
| Median Home Value | $240,395 |
| Average Home Value | $253,345 |
Housing Distribution
Address Breakdown
Residential
5,366
Single Family
5,366
Multi-Family
0
Businesses
260
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 2005
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46561, Osceola, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,010 (100%) |
| Owner Occupied HU | 4,235 (84.5%) |
| Renter Occupied HU | 635 (12.7%) |
| Vacant Housing Units | 140 ( 2.8%) |
| Median Home Value | $240,395 |
| Average Home Value | $253,345 |
Housing Distribution
Address Breakdown
Residential
5,366
Single Family
5,366
Multi-Family
0
Businesses
260
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Glenda Laughlin • Bright Star Real Estate Services LLC
Mls Name: IRMLS
Mls Provider:
Mls ID: #202524526
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.