295 S 4th StreetAustinIN47102
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 295 S 4th Street, Austin, IN, 47102 in Austin speaks for itself: 13.41% gross on a $179,900 price, generating $2,010/mo in rent and $930/mo in net income after the $809/mo debt service. DSCR 2.48, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,161 stacks alongside $49,703 in projected five-year appreciation and $1,657/yr in principal reduction. Projected total cumulative return: $127,942.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.4% | 6.2% |
| Monthly Cash Flow | $930 | $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 | $2,010 |
| Total Monthly Debt Service | $1,008 |
| DSCR Ratio | 1.99x |
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 2026
5,575 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47102, Austin, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,141 (100%) |
| Owner Occupied HU | 1,881 (59.9%) |
| Renter Occupied HU | 992 (31.6%) |
| Vacant Housing Units | 268 ( 8.5%) |
| Median Home Value | $160,398 |
| Average Home Value | $189,765 |
Housing Distribution
Address Breakdown
Residential
2,824
Single Family
2,824
Multi-Family
0
Businesses
121
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 2026
5,575 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 47102, Austin, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,141 (100%) |
| Owner Occupied HU | 1,881 (59.9%) |
| Renter Occupied HU | 992 (31.6%) |
| Vacant Housing Units | 268 ( 8.5%) |
| Median Home Value | $160,398 |
| Average Home Value | $189,765 |
Housing Distribution
Address Breakdown
Residential
2,824
Single Family
2,824
Multi-Family
0
Businesses
121
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
