11 N Main StRoachdaleIN46172
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 11 N Main St, Roachdale, IN, 46172 in Roachdale is narrow, $60/mo net on $960/mo rent after the $674/mo debt service, but the property operates at break-even-plus, not a loss. At $149,900 with a 7.69% yield, the long-run equity case via 5% appreciation ($41,415 over five years) and $1,381/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $60,599.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $60 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $960 |
| Total Monthly Debt Service | $840 |
| DSCR Ratio | 1.14x |
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 1990
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46172, Roachdale, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,080 (100%) |
| Owner Occupied HU | 814 (75.4%) |
| Renter Occupied HU | 173 (16.0%) |
| Vacant Housing Units | 93 ( 8.6%) |
| Median Home Value | $204,615 |
| Average Home Value | $227,463 |
Housing Distribution
Address Breakdown
Residential
703
Single Family
688
Multi-Family
15
Businesses
46
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 1990
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46172, Roachdale, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,080 (100%) |
| Owner Occupied HU | 814 (75.4%) |
| Renter Occupied HU | 173 (16.0%) |
| Vacant Housing Units | 93 ( 8.6%) |
| Median Home Value | $204,615 |
| Average Home Value | $227,463 |
Housing Distribution
Address Breakdown
Residential
703
Single Family
688
Multi-Family
15
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices