4742 W Cth FfMercerWI54547
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 4742 W Cth Ff, Mercer, WI, 54547 in Mercer the bet is firmly on appreciation. Rental yield 1.53%. The 1.53% gross yield on a $329,900 price is below income-first thresholds, but 5%/yr value growth projects $91,145 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.28) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $10,447.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.5% | 6.2% |
| Monthly Cash Flow | $(1,794) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $420 |
| Total Monthly Debt Service | $2,083 |
| DSCR Ratio | 0.20x |
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 N/A
3.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54547, Mercer, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,117 (100%) |
| Owner Occupied HU | 763 (36.0%) |
| Renter Occupied HU | 132 ( 6.2%) |
| Vacant Housing Units | 1,222 (57.7%) |
| Median Home Value | $372,485 |
| Average Home Value | $397,628 |
Housing Distribution
Address Breakdown
Residential
848
Single Family
830
Multi-Family
18
Businesses
101
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 N/A
3.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54547, Mercer, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,117 (100%) |
| Owner Occupied HU | 763 (36.0%) |
| Renter Occupied HU | 132 ( 6.2%) |
| Vacant Housing Units | 1,222 (57.7%) |
| Median Home Value | $372,485 |
| Average Home Value | $397,628 |
Housing Distribution
Address Breakdown
Residential
848
Single Family
830
Multi-Family
18
Businesses
101
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices