105 N Clark StWinfieldIA52659
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 105 N Clark St, Winfield, IA, 52659 in Winfield is listed at $110,000 and delivers $1,073/mo in rent and $358/mo in net monthly cash flow. The 11.7% yield and 2.17 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $30,391 over five years, and $1,013/yr in principal reduction supplements cash return. Total projected cumulative return: $64,909.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 7.0% |
| Monthly Cash Flow | $358 | $500 |
City averages based on Winfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,073 |
| Total Monthly Debt Service | $671 |
| DSCR Ratio | 1.60x |
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 1900
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52659, Winfield, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 689 (100%) |
| Owner Occupied HU | 450 (65.3%) |
| Renter Occupied HU | 157 (22.8%) |
| Vacant Housing Units | 82 (11.9%) |
| Median Home Value | $126,563 |
| Average Home Value | $219,211 |
Housing Distribution
Address Breakdown
Residential
522
Single Family
522
Multi-Family
0
Businesses
37
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 1900
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52659, Winfield, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 689 (100%) |
| Owner Occupied HU | 450 (65.3%) |
| Renter Occupied HU | 157 (22.8%) |
| Vacant Housing Units | 82 (11.9%) |
| Median Home Value | $126,563 |
| Average Home Value | $219,211 |
Housing Distribution
Address Breakdown
Residential
522
Single Family
522
Multi-Family
0
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices