194 6th St, Fernley, NV 89408

3 bd · 2 ba · 1,264 sqft · built 1978 · Fernley · SINGLE_FAMILY·source listing ↗

$365,000

rent, three ways

OnePercent model (vv1)$3,970/mo

wide honest range — HUD/comp anchors · $1,460–$3,970

HUD Fair Market Rent · 89408 · 3BR$2,070/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Lyon

Flood risk indexRelatively Moderate FEMA NRI

Median household income$89,552

Median area rent$1,584/mo

Median home value$366,500

the verdict

1.09%⚠vs 1.0% target

Unverified — model rent disagrees with HUD/comps

financing: 20% down · — (FRED, live) · 30yr

$365,000

1.09% · unverified

Intrinsic value · income approach

$702,996

48% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.