4543 S Calloway DriveHardinsburgIN47125
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 4543 S Calloway Drive, Hardinsburg, IN, 47125 in Hardinsburg: $1,331/mo in rent, $400/mo in net income, 10.3% gross yield, 1.91 DSCR, all at $155,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $42,824 in appreciation and $1,428/yr in principal paydown projects total cumulative return of $84,474.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 8.0% |
| Monthly Cash Flow | $400 | $200 |
City averages based on Hardinsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,331 |
| Total Monthly Debt Service | $869 |
| DSCR Ratio | 1.53x |
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
0.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47125, Hardinsburg, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 803 (100%) |
| Owner Occupied HU | 622 (77.5%) |
| Renter Occupied HU | 104 (13.0%) |
| Vacant Housing Units | 77 ( 9.6%) |
| Median Home Value | $160,662 |
| Average Home Value | $239,514 |
Housing Distribution
Address Breakdown
Residential
749
Single Family
749
Multi-Family
0
Businesses
23
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
0.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47125, Hardinsburg, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 803 (100%) |
| Owner Occupied HU | 622 (77.5%) |
| Renter Occupied HU | 104 (13.0%) |
| Vacant Housing Units | 77 ( 9.6%) |
| Median Home Value | $160,662 |
| Average Home Value | $239,514 |
Housing Distribution
Address Breakdown
Residential
749
Single Family
749
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Carroll • Semonin REALTORS
Mls Name: SIRA
Mls ID: #2025010813