817 W 4th AveRed CloudNE68970
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 817 W 4th Ave, Red Cloud, NE, 68970 in Red Cloud is narrow, $134/mo net on $2,234/mo rent after the $1,398/mo debt service, but the property operates at break-even-plus, not a loss. At $311,000 with a 8.62% yield, the long-run equity case via 5% appreciation ($85,924 over five years) and $2,864/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.60 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $127,384.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $134 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,234 |
| Total Monthly Debt Service | $1,976 |
| DSCR Ratio | 1.13x |
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 1907
0.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68970, Red Cloud, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 759 (100%) |
| Owner Occupied HU | 458 (60.3%) |
| Renter Occupied HU | 112 (14.8%) |
| Vacant Housing Units | 189 (24.9%) |
| Median Home Value | $79,057 |
| Average Home Value | $123,559 |
Housing Distribution
Address Breakdown
Residential
621
Single Family
612
Multi-Family
9
Businesses
109
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 1907
0.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68970, Red Cloud, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 759 (100%) |
| Owner Occupied HU | 458 (60.3%) |
| Renter Occupied HU | 112 (14.8%) |
| Vacant Housing Units | 189 (24.9%) |
| Median Home Value | $79,057 |
| Average Home Value | $123,559 |
Housing Distribution
Address Breakdown
Residential
621
Single Family
612
Multi-Family
9
Businesses
109
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices