4420 E 625 SWolcottvilleIN46795
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4420 E 625 S, Wolcottville, IN, 46795 in Wolcottville is capital appreciation. Rental yield 5.02%. The 5.02% gross yield at $712,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $196,712 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.93) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $185,850.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 7.0% |
| Monthly Cash Flow | $(1,298) | $300 |
City averages based on Wolcottville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,976 |
| Total Monthly Debt Service | $3,991 |
| DSCR Ratio | 0.75x |
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 2007
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46795, Wolcottville, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,704 (100%) |
| Owner Occupied HU | 2,221 (60.0%) |
| Renter Occupied HU | 321 ( 8.7%) |
| Vacant Housing Units | 1,162 (31.4%) |
| Median Home Value | $340,772 |
| Average Home Value | $426,127 |
Housing Distribution
Address Breakdown
Residential
2,546
Single Family
2,546
Multi-Family
0
Businesses
75
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 2007
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46795, Wolcottville, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,704 (100%) |
| Owner Occupied HU | 2,221 (60.0%) |
| Renter Occupied HU | 321 ( 8.7%) |
| Vacant Housing Units | 1,162 (31.4%) |
| Median Home Value | $340,772 |
| Average Home Value | $426,127 |
Housing Distribution
Address Breakdown
Residential
2,546
Single Family
2,546
Multi-Family
0
Businesses
75
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tyler Dohner • CENTURY 21 Bradley Realty, Inc
Mls Name: IRMLS
Mls Provider:
Mls ID: #202509177
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.