805 Hart DrDunkirkIN47336
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 805 Hart Dr, Dunkirk, IN, 47336 in Dunkirk earns a 11.26% gross yield at $145,000. Rent of $1,361/mo nets $490/mo after the $652/mo mortgage. The 2.09 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $40,061 and $1,335/yr in equity accumulation project a total cumulative return of $86,482.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 8.0% |
| Monthly Cash Flow | $490 | $250 |
City averages based on Dunkirk market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,361 |
| Total Monthly Debt Service | $813 |
| DSCR Ratio | 1.67x |
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 2007
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47336, Dunkirk, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,599 (100%) |
| Owner Occupied HU | 1,054 (65.9%) |
| Renter Occupied HU | 308 (19.3%) |
| Vacant Housing Units | 237 (14.8%) |
| Median Home Value | $96,522 |
| Average Home Value | $154,834 |
Housing Distribution
Address Breakdown
Residential
1,431
Single Family
1,431
Multi-Family
0
Businesses
90
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 2007
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47336, Dunkirk, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,599 (100%) |
| Owner Occupied HU | 1,054 (65.9%) |
| Renter Occupied HU | 308 (19.3%) |
| Vacant Housing Units | 237 (14.8%) |
| Median Home Value | $96,522 |
| Average Home Value | $154,834 |
Housing Distribution
Address Breakdown
Residential
1,431
Single Family
1,431
Multi-Family
0
Businesses
90
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices