Harmony Plan, WinterfieldFranklinIN46131
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at Harmony Plan, Winterfield, Franklin, IN, 46131 in Franklin is narrow, $126/mo net on $1,974/mo rent after the $1,460/mo debt service, but the property operates at break-even-plus, not a loss. At $307,900 with a 7.69% yield, the long-run equity case via 5% appreciation ($85,067 over five years) and $2,581/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.35 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $118,793.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.5% |
| Monthly Cash Flow | $126 | $700 |
City averages based on Franklin market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,974 |
| Total Monthly Debt Service | $1,801 |
| DSCR Ratio | 1.10x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
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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
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