5834 E New Bear Creek RdPekinIN47465
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 5834 E New Bear Creek Rd, Pekin, IN, 47465 in Pekin is narrow, $1/mo net on $3,491/mo rent after the $2,605/mo debt service, but the property operates at break-even-plus, not a loss. At $579,400 with a 7.23% yield, the long-run equity case via 5% appreciation ($160,078 over five years) and $5,336/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.34 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $219,432.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.0% |
| Monthly Cash Flow | $1 | $300 |
City averages based on Pekin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,491 |
| Total Monthly Debt Service | $3,259 |
| DSCR Ratio | 1.07x |
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 2004
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47465, Switz City, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 282 (100%) |
| Owner Occupied HU | 195 (69.1%) |
| Renter Occupied HU | 53 (18.8%) |
| Vacant Housing Units | 34 (12.1%) |
| Median Home Value | $152,964 |
| Average Home Value | $129,744 |
Housing Distribution
Address Breakdown
Residential
214
Single Family
214
Multi-Family
0
Businesses
34
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 2004
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47465, Switz City, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 282 (100%) |
| Owner Occupied HU | 195 (69.1%) |
| Renter Occupied HU | 53 (18.8%) |
| Vacant Housing Units | 34 (12.1%) |
| Median Home Value | $152,964 |
| Average Home Value | $129,744 |
Housing Distribution
Address Breakdown
Residential
214
Single Family
214
Multi-Family
0
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices