S 850 WHollandIN47541
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. Rental yield 1.01%. S 850 W, Holland, IN, 47541 in Holland fits: $1,500,000, 1.01% gross yield, and a projected 5% annual appreciation rate adding $414,422 in value within five years. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.19) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,815/yr in principal paydown and $414,422 in appreciation project a total return of $69,285.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1% | 6.5% |
| Monthly Cash Flow | $(7,743) | $150 |
City averages based on Holland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,261 |
| Total Monthly Debt Service | $8,407 |
| DSCR Ratio | 0.15x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47541, Holland, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 515 (100%) |
| Owner Occupied HU | 405 (78.6%) |
| Renter Occupied HU | 74 (14.4%) |
| Vacant Housing Units | 36 ( 7.0%) |
| Median Home Value | $265,278 |
| Average Home Value | $303,691 |
Housing Distribution
Address Breakdown
Residential
287
Single Family
287
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47541, Holland, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 515 (100%) |
| Owner Occupied HU | 405 (78.6%) |
| Renter Occupied HU | 74 (14.4%) |
| Vacant Housing Units | 36 ( 7.0%) |
| Median Home Value | $265,278 |
| Average Home Value | $303,691 |
Housing Distribution
Address Breakdown
Residential
287
Single Family
287
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents