9830 S 200 WPonetoIN46781
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 9830 S 200 W, Poneto, IN, 46781 in Poneto. At $125,000 it earns $1,247/mo in rent and distributes $496/mo to the owner after the $562/mo payment, a consistent 11.97% yield. DSCR 2.22 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $34,535 in value; $1,151/yr in principal paydown compounds ownership stake. Total projected return: $79,303.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 8.0% |
| Monthly Cash Flow | $496 | $400 |
City averages based on Poneto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,247 |
| Total Monthly Debt Service | $701 |
| DSCR Ratio | 1.78x |
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
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46781, Poneto, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 353 (100%) |
| Owner Occupied HU | 292 (82.7%) |
| Renter Occupied HU | 31 ( 8.8%) |
| Vacant Housing Units | 30 ( 8.5%) |
| Median Home Value | $218,293 |
| Average Home Value | $258,836 |
Housing Distribution
Address Breakdown
Residential
283
Single Family
283
Multi-Family
0
Businesses
13
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
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46781, Poneto, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 353 (100%) |
| Owner Occupied HU | 292 (82.7%) |
| Renter Occupied HU | 31 ( 8.8%) |
| Vacant Housing Units | 30 ( 8.5%) |
| Median Home Value | $218,293 |
| Average Home Value | $258,836 |
Housing Distribution
Address Breakdown
Residential
283
Single Family
283
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices