446 E Center StDunkirkIN47336
INVESTMENT ANALYSIS
Investment Verdict
Solid Income446 E Center St, Dunkirk, IN, 47336 in Dunkirk earns a respectable 8.34% gross yield at $139,900, but after the $629/mo mortgage the net cash flow is $132/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.55) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $38,652 over five years, making equity the dominant return driver. Total projected return: $61,444.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 8.0% |
| Monthly Cash Flow | $132 | $250 |
City averages based on Dunkirk market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $972 |
| Total Monthly Debt Service | $784 |
| DSCR Ratio | 1.24x |
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 1916
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47336, Dunkirk, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,599 (100%) |
| Owner Occupied HU | 1,054 (65.9%) |
| Renter Occupied HU | 308 (19.3%) |
| Vacant Housing Units | 237 (14.8%) |
| Median Home Value | $96,522 |
| Average Home Value | $154,834 |
Housing Distribution
Address Breakdown
Residential
1,431
Single Family
1,431
Multi-Family
0
Businesses
90
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 1916
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47336, Dunkirk, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,599 (100%) |
| Owner Occupied HU | 1,054 (65.9%) |
| Renter Occupied HU | 308 (19.3%) |
| Vacant Housing Units | 237 (14.8%) |
| Median Home Value | $96,522 |
| Average Home Value | $154,834 |
Housing Distribution
Address Breakdown
Residential
1,431
Single Family
1,431
Multi-Family
0
Businesses
90
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices