4639 N 615th St WHuntingtonIN46750
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4639 N 615th St W, Huntington, IN, 46750 in Huntington worth study. Rental yield 5.05%. The 5.05% gross yield is below cash-flow benchmarks at $216,900, but 5% annual appreciation, adding $59,925 over five years, frames this as a capital growth position. Rent of $912/mo partially offsets the $975/mo payment. Ziffy Mortgage finances appreciation-play properties (0.94 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $56,896.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 5.0% |
| Monthly Cash Flow | $(392) | $400 |
City averages based on Huntington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $912 |
| Total Monthly Debt Service | $1,218 |
| 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 1977
1,611 sqft lot
$N/A/sqft
$25 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46750, Huntington, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,943 (100%) |
| Owner Occupied HU | 8,168 (68.4%) |
| Renter Occupied HU | 2,783 (23.3%) |
| Vacant Housing Units | 992 ( 8.3%) |
| Median Home Value | $178,100 |
| Average Home Value | $231,209 |
Housing Distribution
Address Breakdown
Residential
11,283
Single Family
10,865
Multi-Family
418
Businesses
842
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 1977
1,611 sqft lot
$N/A/sqft
$25 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46750, Huntington, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,943 (100%) |
| Owner Occupied HU | 8,168 (68.4%) |
| Renter Occupied HU | 2,783 (23.3%) |
| Vacant Housing Units | 992 ( 8.3%) |
| Median Home Value | $178,100 |
| Average Home Value | $231,209 |
Housing Distribution
Address Breakdown
Residential
11,283
Single Family
10,865
Multi-Family
418
Businesses
842
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Vicki Topp • CENTURY 21 Bradley Realty, Inc
Mls Name: IRMLS
Mls Provider:
Mls ID: #202435543
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.