4996 E Moores Creek RdBloomingtonIN47401
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 4996 E Moores Creek Rd, Bloomington, IN, 47401 in Bloomington is listed at $442,900 and delivers $3,398/mo in rent and $740/mo in net monthly cash flow. The 9.21% yield and 1.71 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $122,365 over five years, and $4,079/yr in principal reduction supplements cash return. Total projected cumulative return: $215,169.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.1% |
| Monthly Cash Flow | $740 | $420 |
City averages based on Bloomington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,398 |
| Total Monthly Debt Service | $2,482 |
| DSCR Ratio | 1.37x |
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 1990
2.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47401, Bloomington, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,651 (100%) |
| Owner Occupied HU | 10,173 (49.3%) |
| Renter Occupied HU | 8,522 (41.3%) |
| Vacant Housing Units | 1,956 ( 9.5%) |
| Median Home Value | $366,019 |
| Average Home Value | $425,030 |
Housing Distribution
Address Breakdown
Residential
20,256
Single Family
16,493
Multi-Family
3,763
Businesses
911
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 1990
2.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47401, Bloomington, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,651 (100%) |
| Owner Occupied HU | 10,173 (49.3%) |
| Renter Occupied HU | 8,522 (41.3%) |
| Vacant Housing Units | 1,956 ( 9.5%) |
| Median Home Value | $366,019 |
| Average Home Value | $425,030 |
Housing Distribution
Address Breakdown
Residential
20,256
Single Family
16,493
Multi-Family
3,763
Businesses
911
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Clara Perry • FC Tucker/Bloomington REALTORS
Mls Name: IRMLS
Mls Provider:
Mls ID: #202525846
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.