105 6th StFontanelleIA50846
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 105 6th St, Fontanelle, IA, 50846 in Fontanelle. Priced at $160,000, it generates $1,613/mo in gross rent and $574/mo in net monthly cash flow, a 12.1% yield that comfortably supports the 2.24 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,884. Five-year appreciation: $44,205. Equity from principal paydown: $1,474/yr. Total projected cumulative return: $97,828.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.1% | 5.5% |
| Monthly Cash Flow | $574 | $300 |
City averages based on Fontanelle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,613 |
| Total Monthly Debt Service | $975 |
| DSCR Ratio | 1.65x |
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
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50846, Fontanelle, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 548 (100%) |
| Owner Occupied HU | 403 (73.5%) |
| Renter Occupied HU | 76 (13.9%) |
| Vacant Housing Units | 69 (12.6%) |
| Median Home Value | $123,904 |
| Average Home Value | $221,904 |
Housing Distribution
Address Breakdown
Residential
335
Single Family
323
Multi-Family
12
Businesses
21
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
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50846, Fontanelle, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 548 (100%) |
| Owner Occupied HU | 403 (73.5%) |
| Renter Occupied HU | 76 (13.9%) |
| Vacant Housing Units | 69 (12.6%) |
| Median Home Value | $123,904 |
| Average Home Value | $221,904 |
Housing Distribution
Address Breakdown
Residential
335
Single Family
323
Multi-Family
12
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices