643 N 50 WValparaisoIN46385
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 643 N 50 W, Valparaiso, IN, 46385 in Valparaiso is narrow, $7/mo net on $3,309/mo rent after the $2,607/mo debt service, but the property operates at break-even-plus, not a loss. At $550,000 with a 7.22% yield, the long-run equity case via 5% appreciation ($151,955 over five years) and $4,611/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.27 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $198,290.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.1% |
| Monthly Cash Flow | $7 | $420 |
City averages based on Valparaiso market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,309 |
| Total Monthly Debt Service | $3,217 |
| DSCR Ratio | 1.03x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1994
1.21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46385, Valparaiso, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,104 (100%) |
| Owner Occupied HU | 14,253 (83.3%) |
| Renter Occupied HU | 2,163 (12.6%) |
| Vacant Housing Units | 688 ( 4.0%) |
| Median Home Value | $335,578 |
| Average Home Value | $360,727 |
Housing Distribution
Address Breakdown
Residential
16,777
Single Family
16,182
Multi-Family
595
Businesses
505
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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
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Listed by: N/A • N/A
Mls Name: NIRA as distributed by MLS GRID
Mls Provider:
Mls ID: #844612
