96 Melody DrZwolleLA71486
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 96 Melody Dr, Zwolle, LA, 71486 in Zwolle is narrow, $45/mo net on $1,067/mo rent after the $742/mo debt service, but the property operates at break-even-plus, not a loss. At $165,000 with a 7.76% yield, the long-run equity case via 5% appreciation ($45,586 over five years) and $1,520/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.44 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $65,474.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.0% |
| Monthly Cash Flow | $45 | $300 |
City averages based on Zwolle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,067 |
| Total Monthly Debt Service | $956 |
| DSCR Ratio | 1.12x |
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 2021
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71486, Zwolle, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,579 (100%) |
| Owner Occupied HU | 1,366 (53.0%) |
| Renter Occupied HU | 369 (14.3%) |
| Vacant Housing Units | 844 (32.7%) |
| Median Home Value | $112,088 |
| Average Home Value | $158,959 |
Housing Distribution
Address Breakdown
Residential
1,705
Single Family
1,705
Multi-Family
0
Businesses
106
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 2021
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 71486, Zwolle, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,579 (100%) |
| Owner Occupied HU | 1,366 (53.0%) |
| Renter Occupied HU | 369 (14.3%) |
| Vacant Housing Units | 844 (32.7%) |
| Median Home Value | $112,088 |
| Average Home Value | $158,959 |
Housing Distribution
Address Breakdown
Residential
1,705
Single Family
1,705
Multi-Family
0
Businesses
106
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices