1011 Lowell AveEmersonIA51533
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 1011 Lowell Ave, Emerson, IA, 51533 in Emerson earns a 9.56% gross yield at $140,000. Rent of $1,115/mo nets $206/mo after the $630/mo mortgage. The 1.77 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $38,679 and $1,289/yr in equity accumulation project a total cumulative return of $66,468.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.0% |
| Monthly Cash Flow | $206 | $250 |
City averages based on Emerson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,115 |
| Total Monthly Debt Service | $854 |
| DSCR Ratio | 1.31x |
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 1925
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51533, Emerson, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 391 (100%) |
| Owner Occupied HU | 280 (71.6%) |
| Renter Occupied HU | 45 (11.5%) |
| Vacant Housing Units | 66 (16.9%) |
| Median Home Value | $203,448 |
| Average Home Value | $248,884 |
Housing Distribution
Address Breakdown
Residential
208
Single Family
208
Multi-Family
0
Businesses
33
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 1925
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51533, Emerson, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 391 (100%) |
| Owner Occupied HU | 280 (71.6%) |
| Renter Occupied HU | 45 (11.5%) |
| Vacant Housing Units | 66 (16.9%) |
| Median Home Value | $203,448 |
| Average Home Value | $248,884 |
Housing Distribution
Address Breakdown
Residential
208
Single Family
208
Multi-Family
0
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices