4905 Stephen Ln, Lowell, IN, 46356 | $180/mo Cash Flow

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Price: $300K - 500K

Monthly Cash Flow: 1 - 3k+

Home Type: Single Family

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4905 Stephen Ln, Lowell, IN, 46356 | $180/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

Get Pre-Approved

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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

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Investment Highlights

Investment property for sale in Lowell at 4905 Stephen Ln, Lowell, IN, 46356 listed at $389,900 pairs $2,520/mo rent with a $1,908/mo payment to leave $180/mo cash flow. Total monthly income runs $2,520/mo, and annual cash flow reaches $2,158/yr on $129,252 cash to close. Return on cash invested measures 21.58% in year one, and rental yield registers 7.76% at a $389,900 basis. Equity gained on principal adds $2,516/yr, and annual property appreciation at 5% supports $107,722 by year five. Five-year ROI tracks 111.54% and total cumulative return in cash totals $144,169. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $2,520/mo property income relative to a $1,908/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).

Single Family

Built in 2025

0.26 Acres lot

$N/A/sqft

No HOA

More details about the property

CURRENTY UNDER CONSTRUCTION with an estimated completion date of DECEMBER 2025, this is our WASHINGTON model. Features include an open floor plan, great room with cathedral ceiling, kitchen with soft close maple cabinets and dovetail drawers, crown molding, LARGE island with seating, GRANITE COUNTERTOPS, and pantry. Flooring includes ceramic tile and carpet, EGGSHELL PAINT dresses the walls, and QUARTZ countertops are included in the bathrooms. The primary bedroom features a tray ceiling, ENSUITE bathroom, and walk-in closet. ADDITIONAL features include an unfinished lower level (stubbed for future bath), attached garage with opener installed, full LANDSCAPING package, CORNER LOT, rear DECK, and BUILDER WARRANTY. We have many customizable options available to include a 3 car garage, 5' garage extension, slab, or basement options, as well as for other finishes such as a fireplace, custom tile shower, exterior masonry, etc. Photos are of a previously built home and will be updated upon completion.

Neighborhood Data

Neighborhood data shown for ZIP Code: 46356, Lowell, IN area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	8,032 (100%)
Owner Occupied HU	6,541 (81.4%)
Renter Occupied HU	1,041 (13.0%)
Vacant Housing Units	450 ( 5.6%)
Median Home Value	$310,836
Average Home Value	$337,461

Housing Distribution

Address Breakdown

Residential

7,673

Single Family

7,411

Multi-Family

262

Businesses

382

Price History

Date	Event	Price
No price history data available

Tax History

Date	Tax Paid	Tax Increase Rate	Value	Value Increase Rate
No tax history data available

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Ziffy Mortgage

NMLS #2625701

Get Pre-Approved

Facts & Features

General Information

Type: SingleFamily
Year Built: 2025
Architectural Style: N/A
Building Area: N/A
Living Area: N/A
Property Condition: N/A

Features & Amenities

Heating: N/A
Cooling: N/A
Flooring: N/A
Interior Features: N/A
Exterior Features: N/A
Parking Features: Attached, Garage Door Opener, Garage Faces Front, Concrete, Driveway

Location

City: Lowell
State: IN
Subdivision: N/A
Lot Size: 0.26 Acres
Lot Features: N/A
View: N/A

HOA & Fees

HOA Fee: N/A
Association Fee: N/A
Fees & Dues: N/A
Association Amenities: N/A
Association Fee Includes: N/A

Utilities

Utilities: N/A
Sewer: N/A
Water Source: N/A
Road Surface Type: N/A

School Information

Elementary School: N/A
Middle School: N/A
High School: N/A

Listed by: Lynn Palmer • McColly Real Estate

Mls Name: NIRA

Mls ID: #828338

4905 Stephen Ln,Lowell,IN,46356

Nearby investment properties with comparable rents

Nearby investment properties with comparable prices

Ziffy AI Summary

Investment Highlights

More details about the property

Neighborhood Data

Housing Distribution

Housing Statistics

Housing Distribution

Address Breakdown

Price History

Tax History

Nearby investment properties with comparable rents

Nearby investment properties with comparable prices

Facts & Features

General Information

Features & Amenities

Location

HOA & Fees

Utilities

School Information

4905 Stephen LnLowellIN46356