1 Rainbow DrHumboldtIA50548
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 1 Rainbow Dr, Humboldt, IA, 50548 in Humboldt worth modelling. At $119,000 with a 9.04% gross yield, the $896/mo rent leaves $123/mo after the $535/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.67 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $32,878 by year five; $1,096/yr in principal reduction adds further equity. Total projected return: $53,225.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $123 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $896 |
| Total Monthly Debt Service | $725 |
| DSCR Ratio | 1.24x |
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 1950
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50548, Humboldt, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,725 (100%) |
| Owner Occupied HU | 1,730 (63.5%) |
| Renter Occupied HU | 735 (27.0%) |
| Vacant Housing Units | 260 ( 9.5%) |
| Median Home Value | $186,927 |
| Average Home Value | $232,088 |
Housing Distribution
Address Breakdown
Residential
2,559
Single Family
2,288
Multi-Family
271
Businesses
288
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 1950
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50548, Humboldt, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,725 (100%) |
| Owner Occupied HU | 1,730 (63.5%) |
| Renter Occupied HU | 735 (27.0%) |
| Vacant Housing Units | 260 ( 9.5%) |
| Median Home Value | $186,927 |
| Average Home Value | $232,088 |
Housing Distribution
Address Breakdown
Residential
2,559
Single Family
2,288
Multi-Family
271
Businesses
288
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices