77 Lay StWinnemuccaNV89445
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 77 Lay St, Winnemucca, NV, 89445 in Winnemucca is straightforward: $249,000 in, $1,774/mo in rent, $335/mo out after debt service. The 8.55% gross yield and 1.58 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $68,794 by year five. With $2,293/yr in principal equity, the total cumulative return is projected at $115,581.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $335 | $850 |
City averages based on Winnemucca market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,774 |
| Total Monthly Debt Service | $1,340 |
| DSCR Ratio | 1.32x |
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 1933
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 89445, Winnemucca, NV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,576 (100%) |
| Owner Occupied HU | 4,851 (64.0%) |
| Renter Occupied HU | 1,822 (24.0%) |
| Vacant Housing Units | 903 (11.9%) |
| Median Home Value | $321,208 |
| Average Home Value | $359,246 |
Housing Distribution
Address Breakdown
Residential
6,720
Single Family
6,720
Multi-Family
0
Businesses
500
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 1933
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 89445, Winnemucca, NV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,576 (100%) |
| Owner Occupied HU | 4,851 (64.0%) |
| Renter Occupied HU | 1,822 (24.0%) |
| Vacant Housing Units | 903 (11.9%) |
| Median Home Value | $321,208 |
| Average Home Value | $359,246 |
Housing Distribution
Address Breakdown
Residential
6,720
Single Family
6,720
Multi-Family
0
Businesses
500
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tamara Nordmeyer • Cowboy Country Realty
Mls Name: NNRMLS
Mls ID: #250051701