541 W State StHuntingtonIN46750
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 541 W State St, Huntington, IN, 46750 in Huntington deserves attention. This $140,000 property earns $1,678/mo in rent, a 14.38% gross yield, and nets $837/mo after the $630/mo payment. DSCR 2.66 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $38,679 compounds alongside $1,289/yr in yearly equity build, for a total cumulative return of $106,860.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.4% | 5.0% |
| Monthly Cash Flow | $837 | $400 |
City averages based on Huntington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,678 |
| Total Monthly Debt Service | $785 |
| DSCR Ratio | 2.14x |
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 1912
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46750, Huntington, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,943 (100%) |
| Owner Occupied HU | 8,168 (68.4%) |
| Renter Occupied HU | 2,783 (23.3%) |
| Vacant Housing Units | 992 ( 8.3%) |
| Median Home Value | $178,100 |
| Average Home Value | $231,209 |
Housing Distribution
Address Breakdown
Residential
11,283
Single Family
10,865
Multi-Family
418
Businesses
842
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 1912
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46750, Huntington, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,943 (100%) |
| Owner Occupied HU | 8,168 (68.4%) |
| Renter Occupied HU | 2,783 (23.3%) |
| Vacant Housing Units | 992 ( 8.3%) |
| Median Home Value | $178,100 |
| Average Home Value | $231,209 |
Housing Distribution
Address Breakdown
Residential
11,283
Single Family
10,865
Multi-Family
418
Businesses
842
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Valarie Kubacki • Dream Team Agents, LLC
Mls Name: IRMLS
Mls Provider:
Mls ID: #202431827
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.