909 5th StPeruNE68421
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play909 5th St, Peru, NE, 68421 in Peru is priced for appreciation, not yield. Rental yield 3.4%. At $360,000 with a 3.4% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $99,461 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.63) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $46,575.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 6.2% |
| Monthly Cash Flow | $(1,411) | $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 | $1,020 |
| Total Monthly Debt Service | $2,288 |
| DSCR Ratio | 0.45x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1906
0.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68421, Peru, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 353 (100%) |
| Owner Occupied HU | 183 (51.8%) |
| Renter Occupied HU | 87 (24.6%) |
| Vacant Housing Units | 83 (23.5%) |
| Median Home Value | $124,432 |
| Average Home Value | $244,713 |
Housing Distribution
Address Breakdown
Residential
153
Single Family
153
Multi-Family
0
Businesses
12
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 1906
0.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68421, Peru, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 353 (100%) |
| Owner Occupied HU | 183 (51.8%) |
| Renter Occupied HU | 87 (24.6%) |
| Vacant Housing Units | 83 (23.5%) |
| Median Home Value | $124,432 |
| Average Home Value | $244,713 |
Housing Distribution
Address Breakdown
Residential
153
Single Family
153
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mia Tillemans • Woods Bros Realty
Mls Name: GPRMLS
Mls Provider:
Mls ID: #22504563
Disclaimer: Listing information is provided by Participants of the Great Plains Regional Multiple Listing Service Inc. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2025, Great Plains Regional Multiple Listing Service, Inc.