5106 White Oak TerLowellIN46356
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 5106 White Oak Ter, Lowell, IN, 46356 in Lowell speaks for itself: 12.26% gross on a $240,500 price, generating $2,456/mo in rent and $994/mo in net income after the $1,081/mo debt service. DSCR 2.27, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,928 stacks alongside $66,446 in projected five-year appreciation and $2,215/yr in principal reduction. Projected total cumulative return: $155,054.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 7.0% |
| Monthly Cash Flow | $994 | $1,500 |
City averages based on Lowell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,456 |
| Total Monthly Debt Service | $1,367 |
| DSCR Ratio | 1.80x |
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.
Manufactured
Built in 2001
0.30 Acres lot
$N/A/sqft
$225 annually HOA
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
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
Manufactured
Built in 2001
0.30 Acres lot
$N/A/sqft
$225 annually HOA
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Justice • Northwest Indiana Real Estate
Mls Name: NIRA
Mls Provider:
Mls ID: #820172
Disclaimer: Copyright 2025 MuItiple Listing Service of the Northwest Indiana REALTORS Association, Inc. All rights reserved. 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.