105 2nd AveKeystoneIA52249
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 105 2nd Ave, Keystone, IA, 52249 in Keystone: $1,715/mo in rent, $228/mo in net income, 8.99% gross yield, 1.58 DSCR, all at $229,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $63,268 in appreciation and $1,920/yr in principal paydown projects total cumulative return of $97,474.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $228 | $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 | $1,715 |
| Total Monthly Debt Service | $1,452 |
| DSCR Ratio | 1.18x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1979
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52249, Keystone, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 423 (100%) |
| Owner Occupied HU | 306 (72.3%) |
| Renter Occupied HU | 62 (14.7%) |
| Vacant Housing Units | 55 (13.0%) |
| Median Home Value | $217,857 |
| Average Home Value | $231,487 |
Housing Distribution
Address Breakdown
Residential
256
Single Family
252
Multi-Family
4
Businesses
27
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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
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