5140 S Stanford RdBloomingtonIN47403
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 5140 S Stanford Rd, Bloomington, IN, 47403 in Bloomington fits: $1,025,000, 4.35% gross yield, and a projected 5% annual appreciation rate adding $283,189 in value within five years. Rental yield 4.35%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.81) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $9,440/yr in principal paydown and $283,189 in appreciation project a total return of $231,007.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.1% |
| Monthly Cash Flow | $(2,436) | $420 |
City averages based on Bloomington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,716 |
| Total Monthly Debt Service | $5,745 |
| DSCR Ratio | 0.65x |
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 1999
22.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47403, Bloomington, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,220 (100%) |
| Owner Occupied HU | 8,232 (50.8%) |
| Renter Occupied HU | 6,740 (41.6%) |
| Vacant Housing Units | 1,248 ( 7.7%) |
| Median Home Value | $274,404 |
| Average Home Value | $300,479 |
Housing Distribution
Address Breakdown
Residential
15,959
Single Family
14,167
Multi-Family
1,792
Businesses
591
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 1999
22.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47403, Bloomington, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,220 (100%) |
| Owner Occupied HU | 8,232 (50.8%) |
| Renter Occupied HU | 6,740 (41.6%) |
| Vacant Housing Units | 1,248 ( 7.7%) |
| Median Home Value | $274,404 |
| Average Home Value | $300,479 |
Housing Distribution
Address Breakdown
Residential
15,959
Single Family
14,167
Multi-Family
1,792
Businesses
591
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tom White • White & Co Real Estate
Mls Name: IRMLS
Mls ID: #202529954