538 N Main StValentineNE69201
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 538 N Main St, Valentine, NE, 69201 in Valentine delivers $1,534/mo in gross rent and $319/mo in net monthly income at a $179,900 entry. The 10.23% yield and 1.90 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $49,703 over five years and $1,657/yr in equity from loan paydown, total projected return is $89,206.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.2% |
| Monthly Cash Flow | $319 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,534 |
| Total Monthly Debt Service | $1,143 |
| DSCR Ratio | 1.34x |
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 1917
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 69201, Valentine, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,008 (100%) |
| Owner Occupied HU | 1,082 (53.9%) |
| Renter Occupied HU | 582 (29.0%) |
| Vacant Housing Units | 344 (17.1%) |
| Median Home Value | $170,213 |
| Average Home Value | $246,389 |
Housing Distribution
Address Breakdown
Residential
1,909
Single Family
1,784
Multi-Family
125
Businesses
286
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 1917
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 69201, Valentine, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,008 (100%) |
| Owner Occupied HU | 1,082 (53.9%) |
| Renter Occupied HU | 582 (29.0%) |
| Vacant Housing Units | 344 (17.1%) |
| Median Home Value | $170,213 |
| Average Home Value | $246,389 |
Housing Distribution
Address Breakdown
Residential
1,909
Single Family
1,784
Multi-Family
125
Businesses
286
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices