52772 Rachael CtMiddleburyIN46540
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 52772 Rachael Ct, Middlebury, IN, 46540 in Middlebury hard to pass up. The 11.26% gross yield on a $209,000 purchase results in $1,961/mo in rent and $706/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.09). Annual cash flow of $8,475, five-year appreciation of $57,743, and $1,925/yr in equity build-up combine for a projected total cumulative return of $124,562.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 7.0% |
| Monthly Cash Flow | $706 | $300 |
City averages based on Middlebury market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,961 |
| Total Monthly Debt Service | $1,171 |
| DSCR Ratio | 1.67x |
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 2007
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46540, Middlebury, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,333 (100%) |
| Owner Occupied HU | 3,498 (80.7%) |
| Renter Occupied HU | 659 (15.2%) |
| Vacant Housing Units | 176 ( 4.1%) |
| Median Home Value | $339,066 |
| Average Home Value | $378,665 |
Housing Distribution
Address Breakdown
Residential
4,197
Single Family
4,157
Multi-Family
40
Businesses
437
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 2007
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46540, Middlebury, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,333 (100%) |
| Owner Occupied HU | 3,498 (80.7%) |
| Renter Occupied HU | 659 (15.2%) |
| Vacant Housing Units | 176 ( 4.1%) |
| Median Home Value | $339,066 |
| Average Home Value | $378,665 |
Housing Distribution
Address Breakdown
Residential
4,197
Single Family
4,157
Multi-Family
40
Businesses
437
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Cavender • Northern Lakes Realty
Mls Name: IRMLS
Mls Provider:
Mls ID: #202509125
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.