906 W Randolph StCayugaIN47928
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 906 W Randolph St, Cayuga, IN, 47928 in Cayuga. Priced at $109,000, it generates $1,223/mo in gross rent and $568/mo in net monthly cash flow, a 13.46% yield that comfortably supports the 2.50 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,822. Five-year appreciation: $30,115. Equity from principal paydown: $1,004/yr. Total projected cumulative return: $77,889.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.5% | 6.5% |
| Monthly Cash Flow | $568 | $300 |
City averages based on Cayuga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,223 |
| Total Monthly Debt Service | $611 |
| DSCR Ratio | 2.00x |
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 1900
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47928, Cayuga, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,078 (100%) |
| Owner Occupied HU | 763 (70.8%) |
| Renter Occupied HU | 160 (14.8%) |
| Vacant Housing Units | 155 (14.4%) |
| Median Home Value | $98,690 |
| Average Home Value | $125,839 |
Housing Distribution
Address Breakdown
Residential
529
Single Family
529
Multi-Family
0
Businesses
62
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 1900
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47928, Cayuga, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,078 (100%) |
| Owner Occupied HU | 763 (70.8%) |
| Renter Occupied HU | 160 (14.8%) |
| Vacant Housing Units | 155 (14.4%) |
| Median Home Value | $98,690 |
| Average Home Value | $125,839 |
Housing Distribution
Address Breakdown
Residential
529
Single Family
529
Multi-Family
0
Businesses
62
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
