4527 Harley ROADManitowocWI54220
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4527 Harley ROAD, Manitowoc, WI, 54220 in Manitowoc is capital appreciation. Rental yield 4.41%. The 4.41% gross yield at $630,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $174,057 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.82) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $117,296.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 7.8% |
| Monthly Cash Flow | $(1,912) | $450 |
City averages based on Manitowoc market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,316 |
| Total Monthly Debt Service | $3,977 |
| DSCR Ratio | 0.58x |
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 2010
2.89 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54220, Manitowoc, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,428 (100%) |
| Owner Occupied HU | 12,146 (62.5%) |
| Renter Occupied HU | 6,034 (31.1%) |
| Vacant Housing Units | 1,248 ( 6.4%) |
| Median Home Value | $201,041 |
| Average Home Value | $249,459 |
Housing Distribution
Address Breakdown
Residential
18,446
Single Family
16,603
Multi-Family
1,843
Businesses
1,021
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 2010
2.89 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54220, Manitowoc, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,428 (100%) |
| Owner Occupied HU | 12,146 (62.5%) |
| Renter Occupied HU | 6,034 (31.1%) |
| Vacant Housing Units | 1,248 ( 6.4%) |
| Median Home Value | $201,041 |
| Average Home Value | $249,459 |
Housing Distribution
Address Breakdown
Residential
18,446
Single Family
16,603
Multi-Family
1,843
Businesses
1,021
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brad Broecker • Century 21 Aspire Group
Mls Name: WIREX MLS
Mls Provider:
Mls ID: #1914802
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.