105 E Lincoln AveFairfieldIA52556
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 105 E Lincoln Ave, Fairfield, IA, 52556 in Fairfield, $251,900, 8.63% gross yield, $48/mo net income. Consider it a market-entry position, the $1,812/mo rent covers the $1,133/mo payment with a margin, and 5%/yr appreciation is projected to add $69,595 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.60) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $107,149.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 7.0% |
| Monthly Cash Flow | $48 | $300 |
City averages based on Fairfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,812 |
| Total Monthly Debt Service | $1,536 |
| 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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 2017
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52556, Fairfield, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,288 (100%) |
| Owner Occupied HU | 3,507 (55.8%) |
| Renter Occupied HU | 2,071 (32.9%) |
| Vacant Housing Units | 710 (11.3%) |
| Median Home Value | $188,780 |
| Average Home Value | $222,983 |
Housing Distribution
Address Breakdown
Residential
5,728
Single Family
5,280
Multi-Family
448
Businesses
820
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
Townhouse
Built in 2017
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52556, Fairfield, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,288 (100%) |
| Owner Occupied HU | 3,507 (55.8%) |
| Renter Occupied HU | 2,071 (32.9%) |
| Vacant Housing Units | 710 (11.3%) |
| Median Home Value | $188,780 |
| Average Home Value | $222,983 |
Housing Distribution
Address Breakdown
Residential
5,728
Single Family
5,280
Multi-Family
448
Businesses
820
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices