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Indiana Rental Home Investment Loan Opportunities

Hoosier Rental Home Investment Markets

hoosierHoosier is the official demonym for a resident of the U.S. state of Indiana. The origin of the term was in general use by the 1840s, having been popularized by Richmond resident John Finley's 1833 poem "The Hoosier's Nest". Anyone born in Indiana or a resident at the time is considered to be a Hoosier. Indiana adopted the nickname "The Hoosier State" more than 150 years ago. "Hoosier" is used in the names of numerous Indiana-based businesses and organizations. "Hoosiers" is also the name of the Indiana University athletic teams. -Wikipedia

Overall, the 2016 investment rental housing market is looking great for Indiana and the country. Job growth is improving and other economic fundamentals are positive. Thus, consumer confidence should be high. 2016 should see the single-family housing market remain strong for both Indiana and the nation.

Indiana is very affordable in terms of real estate which makes it a solid addition to the portfolios of long term hold, income seeking investors.


Fastest Growing Population Centers
Indiana boasts some of the fastest growing population centers! Popular areas include Hendricks, Johnson Dearborn and Hamilton County. Fishers, IN has seen a 100% population boom since 2000.

The single-family housing sector has had stable growth since 2015, while the multi-family housing sector continued strong as ever. Consumer confidence, job growth and low interest rates are the primary drivers that bring potential home buyers to the Indiana housing market. The housing market looks to continue on a positive path in 2017.

How Does the Indiana Housing Market look?

Employment in Indiana is experiencing very positive trends. Indiana’s future employment growth will continue to provide at least 43,000 jobs per year through 2018. Additionally, unemployment is expected to decline during this period and Hoosier personal income will rise faster than the nation (see Figure 1).


indiana chart1

Figure 1: Indiana Employment and Unemployment Rate Forecast, 2014 Q1 to 2018 Q4

Source: Indiana University Center for Econometric Model Research and Indiana Business Research Center (released in June 2015)

TOP 3 in Home Sales

Indiana beat the nation by 3 percentage points in existing home sales last year.

Table 2: Mid-Year Comparison of Indiana and U.S. Housing Markets



Existing Home Sales, July 2014 to June 2015, Year-over-Year Change



* Source: IBRC, using data from the Indiana Association of Realtors, National Association of Realtors, Federal Housing Finance Agency, U.S. Census Bureau, Mortgage Bankers Association and CoreLogic

According to the Indiana Association of Realtors, Indiana’s year-to-date 2015 closed sales is trending higher than 2014, while its median sales price increased 5.9 percent to $134,000 (see Table 3).

Table 3: Indiana Housing Overview

September 2014

September 2015

Percent Change

Year-to-Date 2014

Year-to-Date 2015

Percent Change

Closed Sales







Median Sales Price







*Source: Indiana Association of Realtors

Comparing housing costs, Indiana typically has quite stable housing values. In other words, Indiana homeowners usually experience small swings in value as economic conditions and world events take hold year to year.

As Indiana’s economy continues to grow with more jobs and better wages, expect positive results for the housing market. Should national trends drop, Hoosiers will still fare well compared to less stable parts of the country.

View loan program highlights, browse our frequently asked questions or contact us today for expert assistance in refinancing your rental property portfolio.  If you are in need of financing less than 5 rental properties, please visit our Single P loan product.

Our experienced lending professionals understand how to underwrite and quickly price your loan. Give us a call today!  888-375-7977

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About Rental Home Financing:

Rental Home Financing, as the best mortgage lenders we originate rental home loan products and cash out refinance investment property loans as the best investment property refinance lenders. Commercial blanket loans are available with a commercial purpose to suit your needs.

Also, as DSCR loan specialists, we are currently authorized to make such loans in most all areas of the United States. Specific circumstances will determine whether we have the ability approve/close portfolio rental home loans in your state(s). When you are ready to get a mortgage for rental property, we are ready to serve you.

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